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Mongaup Valley CDP, NY

ZIP 12762 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12762

Median Home Value
$413,400
Median Rent
$1,322
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,656/mo PITI).

14%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

26.1 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 12762 in Mongaup Valley CDP, NY, a household would need roughly $114,000 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 $2,656. That is roughly in line with the local median household income ($112,545). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 55% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.3%+7% vs US avg
x
Vacancy Rate
54.9%+433% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
10.1%-32% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
43.9%-12% vs US avg
x
Mortgage-Free
95.9%+151% vs US avg
x
$413,400
Home Value
$1,322
Rent
1979
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached71.2%
  • 1-unit attached0.0%
  • 2-9 units18.0%
  • 10+ units0.0%
  • Mobile home & other10.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$413,400
Median rent$1,322
Owner-occupied70.3%
Vacant54.9%
Price-to-income3.7x
Est. income to buy$114,000