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Monticello village, NY

ZIP 12701 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12701

Median Home Value
$178,300
Median Rent
$897
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,145/mo PITI).

19%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

16.6 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 12701 in Monticello village, NY, a household would need roughly $49,000 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 $1,145. That sits below the local median household income ($56,601), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
41.7%-36% vs US avg
x
Vacancy Rate
32.4%+215% vs US avg
x
Broadband Access
84.8%-3% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
57.0%+49% vs US avg
x
$178,300
Home Value
$897
Rent
1974
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 detached50.3%
  • 1-unit attached7.3%
  • 2-9 units21.7%
  • 10+ units14.2%
  • Mobile home & other6.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$178,300
Median rent$897
Owner-occupied41.7%
Vacant32.4%
Price-to-income3.2x
Est. income to buy$49,000