US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12851
  5. Housing & Real Estate
, NY

ZIP 12851 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12851

Median Home Value
$129,800
Median Rent
N/A
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$834/mo PITI).

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 12851 in NY, a household would need roughly $36,000 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 $834. That sits below the local median household income ($77,969), 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 46% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
97.0%+48% vs US avg
x
Vacancy Rate
45.9%+346% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
10.2%-21% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
50.0%+1% vs US avg
x
Mortgage-Free
49.6%+30% vs US avg
x
$129,800
Home Value
N/A
Rent
1964
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached87.4%
  • 1-unit attached0.0%
  • 2-9 units3.7%
  • 10+ units0.0%
  • Mobile home & other8.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$129,800
Median rent$-666,666,666
Owner-occupied97.0%
Vacant45.9%
Price-to-income1.7x
Est. income to buy$36,000