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Fulton city, NY

ZIP 13069 — 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 13069

Median Home Value
$112,600
Median Rent
$748
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$723/mo PITI).

14%
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.

12.5 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 13069 in Fulton city, NY, a household would need roughly $31,000 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 $723. That sits below the local median household income ($63,156), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
66.3%+1% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
7.0%-45% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
26.0%-48% vs US avg
x
Mortgage-Free
38.7%+1% vs US avg
x
$112,600
Home Value
$748
Rent
1961
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached64.7%
  • 1-unit attached1.3%
  • 2-9 units18.9%
  • 10+ units7.4%
  • Mobile home & other7.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,600
Median rent$748
Owner-occupied66.3%
Vacant7.3%
Price-to-income1.8x
Est. income to buy$31,000