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, NY

ZIP 12765 — Housing & Real Estate

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

Low Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12765

Median Home Value
$403,300
Median Rent
N/A
Affordability Snapshot
$111,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,591/mo PITI).

To comfortably buy a median-priced home in ZIP 12765 in NY, a household would need roughly $111,000 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 $2,591. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
92.4%+41% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
97.9%+12% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
72.0%+45% vs US avg
x
Mortgage-Free
70.1%+83% vs US avg
x
$403,300
Home Value
N/A
Rent
1977
Year Built
1997
Moved In

Residents have lived here since ~1997 on average

Housing Structure

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

  • 1-unit detached95.1%
  • 1-unit attached0.0%
  • 2-9 units4.9%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$403,300
Median rent$-666,666,666
Owner-occupied92.4%
Vacant9.6%
Est. income to buy$111,000