US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12873
  5. Housing & Real Estate
, NY

ZIP 12873 — 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 12873

Median Home Value
$216,400
Median Rent
$732
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,390/mo PITI).

9%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.6 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 12873 in NY, a household would need roughly $60,000 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 $1,390. That sits below the local median household income ($95,417), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.8%+2% vs US avg
x
Vacancy Rate
24.1%+134% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
7.3%-51% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.5%-79% vs US avg
x
Mortgage-Free
55.0%+44% vs US avg
x
$216,400
Home Value
$732
Rent
1951
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached96.7%
  • 1-unit attached0.7%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$216,400
Median rent$732
Owner-occupied66.8%
Vacant24.1%
Price-to-income2.3x
Est. income to buy$60,000