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Whitehall village, NY

ZIP 12887 — 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 12887

Median Home Value
$121,600
Median Rent
$816
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$781/mo PITI).

18%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.4 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 12887 in Whitehall village, NY, a household would need roughly $33,000 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 $781. That sits below the local median household income ($55,361), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.8%+8% vs US avg
x
Vacancy Rate
18.9%+84% vs US avg
x
Broadband Access
81.5%-6% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.9%-42% vs US avg
x
Mortgage-Free
48.8%+28% vs US avg
x
$121,600
Home Value
$816
Rent
1949
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 detached73.8%
  • 1-unit attached1.9%
  • 2-9 units15.3%
  • 10+ units0.8%
  • Mobile home & other8.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$121,600
Median rent$816
Owner-occupied70.8%
Vacant18.9%
Price-to-income2.2x
Est. income to buy$33,000