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, NY

ZIP 12837 — 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 12837

Median Home Value
$165,300
Median Rent
$1,084
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,062/mo PITI).

17%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.7 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 12837 in NY, a household would need roughly $46,000 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 $1,062. That sits below the local median household income ($76,979), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
12.3%+20% vs US avg
x
Broadband Access
90.9%+4% vs US avg
x
4+ Bedrooms
13.1%-11% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
7.0%-86% vs US avg
x
Mortgage-Free
51.4%+35% vs US avg
x
$165,300
Home Value
$1,084
Rent
1984
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 detached86.6%
  • 1-unit attached0.0%
  • 2-9 units4.9%
  • 10+ units0.0%
  • Mobile home & other8.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$165,300
Median rent$1,084
Owner-occupied83.3%
Vacant12.3%
Price-to-income2.1x
Est. income to buy$46,000