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Chateaugay village, NY

ZIP 12920 — 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 12920

Median Home Value
$127,300
Median Rent
$751
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$818/mo PITI).

13%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.1 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 12920 in Chateaugay village, NY, a household would need roughly $35,000 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 $818. That sits below the local median household income ($70,714), 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 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.2%+27% vs US avg
x
Vacancy Rate
32.5%+216% vs US avg
x
Broadband Access
81.9%-6% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
20.8%-58% vs US avg
x
Mortgage-Free
54.0%+41% vs US avg
x
$127,300
Home Value
$751
Rent
1974
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached76.8%
  • 1-unit attached0.8%
  • 2-9 units6.9%
  • 10+ units0.5%
  • Mobile home & other15.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$127,300
Median rent$751
Owner-occupied83.2%
Vacant32.5%
Price-to-income1.8x
Est. income to buy$35,000