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, NY

ZIP 12942 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12942

Median Home Value
$427,300
Median Rent
$1,139
Affordability Snapshot
$118,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,745/mo PITI).

12%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

31.3 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 12942 in NY, a household would need roughly $118,000 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 $2,745. That is roughly in line with the local median household income ($113,750). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 57% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
95.0%+45% vs US avg
x
Vacancy Rate
57.2%+455% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
8.9%-30% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
60.6%+59% vs US avg
x
$427,300
Home Value
$1,139
Rent
1979
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 detached91.6%
  • 1-unit attached3.5%
  • 2-9 units2.3%
  • 10+ units0.0%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$427,300
Median rent$1,139
Owner-occupied95.0%
Vacant57.2%
Price-to-income3.8x
Est. income to buy$118,000