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Grahamsville CDP, NY

ZIP 12740 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12740

Median Home Value
$279,000
Median Rent
$764
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,792/mo PITI).

10%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

30.4 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 12740 in Grahamsville CDP, NY, a household would need roughly $77,000 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 $1,792. That sits below the local median household income ($91,630), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.8%+17% vs US avg
x
Vacancy Rate
28.4%+176% vs US avg
x
Broadband Access
70.9%-18% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
2.7%-60% vs US avg
x
Rent Burden >30%
12.1%-76% vs US avg
x
Mortgage-Free
64.8%+70% vs US avg
x
$279,000
Home Value
$764
Rent
1972
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached69.9%
  • 1-unit attached12.4%
  • 2-9 units7.8%
  • 10+ units0.1%
  • Mobile home & other9.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$279,000
Median rent$764
Owner-occupied76.8%
Vacant28.4%
Price-to-income3.0x
Est. income to buy$77,000