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Loch Sheldrake CDP, NY

ZIP 12759 — 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 12759

Median Home Value
$77,500
Median Rent
$934
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$498/mo PITI).

18%
Rent-to-Income Ratio

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

1.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

6.9 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 12759 in Loch Sheldrake CDP, NY, a household would need roughly $21,000 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 $498. That sits below the local median household income ($60,656), 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 59% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
51.3%-21% vs US avg
x
Vacancy Rate
58.7%+470% vs US avg
x
Broadband Access
94.6%+9% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
37.2%-25% vs US avg
x
Mortgage-Free
44.8%+17% vs US avg
x
$77,500
Home Value
$934
Rent
1981
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached43.1%
  • 1-unit attached8.5%
  • 2-9 units9.7%
  • 10+ units1.6%
  • Mobile home & other37.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$77,500
Median rent$934
Owner-occupied51.3%
Vacant58.7%
Price-to-income1.3x
Est. income to buy$21,000