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Elizabethtown CDP, NY

ZIP 12932 — 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 12932

Median Home Value
$175,900
Median Rent
$652
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,130/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.5 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 12932 in Elizabethtown CDP, NY, a household would need roughly $48,000 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 $1,130. That sits below the local median household income ($61,801), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.3%+23% vs US avg
x
Vacancy Rate
31.3%+204% vs US avg
x
Broadband Access
77.0%-12% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.0%-56% vs US avg
x
Mortgage-Free
66.1%+73% vs US avg
x
$175,900
Home Value
$652
Rent
1953
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached83.8%
  • 1-unit attached0.6%
  • 2-9 units5.7%
  • 10+ units2.3%
  • Mobile home & other7.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$175,900
Median rent$652
Owner-occupied80.3%
Vacant31.3%
Price-to-income2.8x
Est. income to buy$48,000