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Fort Ann village, NY

ZIP 12827 — 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 12827

Median Home Value
$205,700
Median Rent
$840
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,321/mo PITI).

12%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.4 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 12827 in Fort Ann village, NY, a household would need roughly $57,000 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 $1,321. That sits below the local median household income ($81,607), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.4%+29% vs US avg
x
Vacancy Rate
16.4%+60% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
49.2%+29% vs US avg
x
$205,700
Home Value
$840
Rent
1981
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached89.0%
  • 1-unit attached2.3%
  • 2-9 units4.9%
  • 10+ units0.0%
  • Mobile home & other3.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$205,700
Median rent$840
Owner-occupied84.4%
Vacant16.4%
Price-to-income2.5x
Est. income to buy$57,000