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, NY

ZIP 12966 — 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 12966

Median Home Value
$119,200
Median Rent
$678
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$766/mo PITI).

12%
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.

14.7 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 12966 in 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 $766. That sits below the local median household income ($66,016), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.5%+31% vs US avg
x
Vacancy Rate
17.1%+66% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
7.5%-49% vs US avg
x
Built Pre-1939
4.0%-68% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
26.7%-46% vs US avg
x
Mortgage-Free
56.7%+48% vs US avg
x
$119,200
Home Value
$678
Rent
1980
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached75.6%
  • 1-unit attached0.0%
  • 2-9 units4.3%
  • 10+ units0.7%
  • Mobile home & other19.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$119,200
Median rent$678
Owner-occupied85.5%
Vacant17.1%
Price-to-income1.8x
Est. income to buy$33,000