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, NY

ZIP 12824 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12824

Median Home Value
$441,000
Median Rent
N/A
Affordability Snapshot
$121,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,833/mo PITI).

3.6x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 12824 in NY, a household would need roughly $121,000 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 $2,833. That is roughly in line with the local median household income ($123,026). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 52% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
95.4%+46% vs US avg
x
Vacancy Rate
52.4%+409% vs US avg
x
Broadband Access
97.4%+12% vs US avg
x
4+ Bedrooms
12.0%-19% vs US avg
x
Built Pre-1939
5.4%-58% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
49.7%+30% vs US avg
x
$441,000
Home Value
N/A
Rent
1978
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 detached97.3%
  • 1-unit attached0.0%
  • 2-9 units0.6%
  • 10+ units0.0%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$441,000
Median rent$-666,666,666
Owner-occupied95.4%
Vacant52.4%
Price-to-income3.6x
Est. income to buy$121,000