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Swan Lake CDP, NY

ZIP 12783 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12783

Median Home Value
$209,500
Median Rent
$1,028
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,346/mo PITI).

20%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

17.0 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 12783 in Swan Lake CDP, NY, a household would need roughly $58,000 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 $1,346. That is roughly in line with the local median household income ($60,781). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 57% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.1%+21% vs US avg
x
Vacancy Rate
56.5%+449% vs US avg
x
Broadband Access
79.4%-9% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.6%-50% vs US avg
x
Mortgage-Free
65.6%+72% vs US avg
x
$209,500
Home Value
$1,028
Rent
1985
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached81.5%
  • 1-unit attached1.5%
  • 2-9 units2.1%
  • 10+ units1.1%
  • Mobile home & other13.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$209,500
Median rent$1,028
Owner-occupied79.1%
Vacant56.5%
Price-to-income3.4x
Est. income to buy$58,000