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, NY

ZIP 12768 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12768

Median Home Value
$271,300
Median Rent
N/A
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,743/mo PITI).

7.9x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

To comfortably buy a median-priced home in ZIP 12768 in NY, a household would need roughly $75,000 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 $1,743. That is about 118% above the local median household income ($34,406), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 60% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.9%+31% vs US avg
x
Vacancy Rate
60.1%+483% vs US avg
x
Broadband Access
96.5%+11% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
40.9%+7% vs US avg
x
$271,300
Home Value
N/A
Rent
1973
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 detached85.1%
  • 1-unit attached0.0%
  • 2-9 units4.7%
  • 10+ units0.0%
  • Mobile home & other10.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$271,300
Median rent$-666,666,666
Owner-occupied85.9%
Vacant60.1%
Price-to-income7.9x
Est. income to buy$75,000