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, NY

ZIP 13040 — 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 13040

Median Home Value
$126,600
Median Rent
$650
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$813/mo PITI).

12%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.2 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 13040 in 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 $813. That sits below the local median household income ($67,049), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.7%+22% vs US avg
x
Vacancy Rate
18.8%+82% vs US avg
x
Broadband Access
81.9%-6% vs US avg
x
4+ Bedrooms
8.2%-44% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
21.9%-56% vs US avg
x
Mortgage-Free
52.6%+38% vs US avg
x
$126,600
Home Value
$650
Rent
1973
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached72.6%
  • 1-unit attached0.8%
  • 2-9 units5.7%
  • 10+ units0.0%
  • Mobile home & other20.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$126,600
Median rent$650
Owner-occupied79.7%
Vacant18.8%
Price-to-income1.9x
Est. income to buy$35,000