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Tivoli village, NY

ZIP 12583 — 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 12583

Median Home Value
$390,700
Median Rent
$1,558
Affordability Snapshot
$108,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,510/mo PITI).

27%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

20.9 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 12583 in Tivoli village, NY, a household would need roughly $108,000 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 $2,510. That is about 56% above the local median household income ($69,063), so the median earner would likely stretch or need a larger down payment. 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
68.3%+4% vs US avg
x
Vacancy Rate
21.6%+110% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
8.1%-37% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
52.9%+7% vs US avg
x
Mortgage-Free
44.9%+18% vs US avg
x
$390,700
Home Value
$1,558
Rent
1971
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached61.0%
  • 1-unit attached1.4%
  • 2-9 units20.3%
  • 10+ units9.3%
  • Mobile home & other8.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$390,700
Median rent$1,558
Owner-occupied68.3%
Vacant21.6%
Price-to-income5.7x
Est. income to buy$108,000