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, NY

ZIP 12812 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12812

Median Home Value
$392,900
Median Rent
N/A
Affordability Snapshot
$108,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,524/mo PITI).

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 12812 in NY, a household would need roughly $108,000 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 $2,524. That sits below the local median household income ($170,156), 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 66% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
100.0%+53% vs US avg
x
Vacancy Rate
66.0%+541% vs US avg
x
Broadband Access
96.6%+11% vs US avg
x
4+ Bedrooms
3.0%-79% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.0%
x
Mortgage-Free
34.8%-9% vs US avg
x
$392,900
Home Value
N/A
Rent
1951
Year Built
1996
Moved In

Residents have lived here since ~1996 on average

Housing Structure

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

  • 1-unit detached89.3%
  • 1-unit attached0.0%
  • 2-9 units5.7%
  • 10+ units0.0%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$392,900
Median rent$-666,666,666
Owner-occupied100.0%
Vacant66.0%
Price-to-income2.3x
Est. income to buy$108,000