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St. Regis Falls CDP, NY

ZIP 12980 — 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 12980

Median Home Value
$98,100
Median Rent
$460
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$630/mo PITI).

9%
Rent-to-Income Ratio

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

1.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.8 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 12980 in St. Regis Falls CDP, NY, a household would need roughly $27,000 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 $630. That sits below the local median household income ($61,447), 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 54% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.2%+38% vs US avg
x
Vacancy Rate
54.1%+426% vs US avg
x
Broadband Access
76.3%-12% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.0%-50% vs US avg
x
Mortgage-Free
63.5%+66% vs US avg
x
$98,100
Home Value
$460
Rent
1967
Year Built
2001
Moved In

Residents have lived here since ~2001 on average

Housing Structure

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

  • 1-unit detached85.6%
  • 1-unit attached1.0%
  • 2-9 units1.7%
  • 10+ units1.5%
  • Mobile home & other10.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$98,100
Median rent$460
Owner-occupied90.2%
Vacant54.1%
Price-to-income1.6x
Est. income to buy$27,000