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, NY

ZIP 12857 — 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 12857

Median Home Value
$187,500
Median Rent
$646
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,204/mo PITI).

12%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.2 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 12857 in NY, a household would need roughly $52,000 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 $1,204. That sits below the local median household income ($63,935), 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 50% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.7%+36% vs US avg
x
Vacancy Rate
49.8%+383% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
70.0%+83% vs US avg
x
$187,500
Home Value
$646
Rent
1974
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 detached86.6%
  • 1-unit attached0.0%
  • 2-9 units5.2%
  • 10+ units0.6%
  • Mobile home & other7.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$187,500
Median rent$646
Owner-occupied88.7%
Vacant49.8%
Price-to-income2.9x
Est. income to buy$52,000