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Lake Luzerne CDP, NY

ZIP 12846 — 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 12846

Median Home Value
$197,400
Median Rent
$760
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,268/mo PITI).

19%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

21.6 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 12846 in Lake Luzerne CDP, NY, a household would need roughly $54,000 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 $1,268. That is roughly in line with the local median household income ($47,449). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.4%+25% vs US avg
x
Vacancy Rate
32.5%+215% vs US avg
x
Broadband Access
78.4%-10% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
8.0%-38% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
30.4%-39% vs US avg
x
Mortgage-Free
49.8%+30% vs US avg
x
$197,400
Home Value
$760
Rent
1967
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 detached77.4%
  • 1-unit attached0.0%
  • 2-9 units5.7%
  • 10+ units0.4%
  • Mobile home & other16.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,400
Median rent$760
Owner-occupied81.4%
Vacant32.5%
Price-to-income4.2x
Est. income to buy$54,000