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, NY

ZIP 12777 — 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 12777

Median Home Value
$329,500
Median Rent
N/A
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,117/mo PITI).

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 12777 in NY, a household would need roughly $91,000 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 $2,117. That sits below the local median household income ($143,750), 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 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
97.8%+50% vs US avg
x
Vacancy Rate
35.5%+245% vs US avg
x
Broadband Access
95.6%+10% vs US avg
x
4+ Bedrooms
15.9%+7% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
52.2%+37% vs US avg
x
$329,500
Home Value
N/A
Rent
1982
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached90.6%
  • 1-unit attached0.6%
  • 2-9 units7.0%
  • 10+ units0.0%
  • Mobile home & other1.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$329,500
Median rent$-666,666,666
Owner-occupied97.8%
Vacant35.5%
Price-to-income2.3x
Est. income to buy$91,000