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, NY

ZIP 12581 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12581

Median Home Value
$374,600
Median Rent
$972
Affordability Snapshot
$103,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,406/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

32.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 12581 in NY, a household would need roughly $103,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,406. That is roughly in line with the local median household income ($93,274). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.6%+16% vs US avg
x
Vacancy Rate
21.6%+110% vs US avg
x
Broadband Access
94.5%+9% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
7.8%-39% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.9%-66% vs US avg
x
Mortgage-Free
39.2%+3% vs US avg
x
$374,600
Home Value
$972
Rent
1969
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached85.1%
  • 1-unit attached0.0%
  • 2-9 units12.8%
  • 10+ units0.6%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$374,600
Median rent$972
Owner-occupied75.6%
Vacant21.6%
Price-to-income4.0x
Est. income to buy$103,000