US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12903
  5. Housing & Real Estate
Plattsburgh city, NY

ZIP 12903 — 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 12903

Median Home Value
$192,700
Median Rent
$1,385
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,238/mo PITI).

22%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.6 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 12903 in Plattsburgh city, NY, a household would need roughly $53,000 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 $1,238. That sits below the local median household income ($76,912), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
53.9%-18% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
25.3%-49% vs US avg
x
Mortgage-Free
49.3%+29% vs US avg
x
$192,700
Home Value
$1,385
Rent
1967
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached15.6%
  • 1-unit attached33.3%
  • 2-9 units31.9%
  • 10+ units19.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$192,700
Median rent$1,385
Owner-occupied53.9%
Vacant6.1%
Price-to-income2.5x
Est. income to buy$53,000