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, NY

ZIP 12787 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12787

Median Home Value
$529,200
Median Rent
N/A
Affordability Snapshot
$146,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,399/mo PITI).

9.1x
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 12787 in NY, a household would need roughly $146,000 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 $3,399. That is about 152% above the local median household income ($57,958), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
97.5%+49% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
84.8%-3% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
50.6%+33% vs US avg
x
$529,200
Home Value
N/A
Rent
1938
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached72.2%
  • 1-unit attached0.0%
  • 2-9 units25.3%
  • 10+ units0.0%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$529,200
Median rent$-666,666,666
Owner-occupied97.5%
Vacant0.0%
Price-to-income9.1x
Est. income to buy$146,000