US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12601
  5. Housing & Real Estate
Poughkeepsie city, NY

ZIP 12601 — 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 12601

Median Home Value
$275,800
Median Rent
$1,173
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,772/mo PITI).

22%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

19.6 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 12601 in Poughkeepsie city, NY, a household would need roughly $76,000 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 $1,772. That is about 17% above the local median household income ($64,769), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
44.2%-32% vs US avg
x
Vacancy Rate
4.9%-53% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
7.1%-44% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
29.4%-41% vs US avg
x
Mortgage-Free
36.2%-5% vs US avg
x
$275,800
Home Value
$1,173
Rent
1960
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached36.7%
  • 1-unit attached5.8%
  • 2-9 units32.3%
  • 10+ units23.4%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$275,800
Median rent$1,173
Owner-occupied44.2%
Vacant4.9%
Price-to-income4.3x
Est. income to buy$76,000