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De Witt CDP, NY

ZIP 13078 — 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 13078

Median Home Value
$279,200
Median Rent
$1,131
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,794/mo PITI).

12%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.6 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 13078 in De Witt CDP, NY, a household would need roughly $77,000 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 $1,794. That sits below the local median household income ($114,657), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
84.5%+29% vs US avg
x
Vacancy Rate
2.5%-75% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
8.6%-42% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
22.4%-55% vs US avg
x
Mortgage-Free
41.5%+9% vs US avg
x
$279,200
Home Value
$1,131
Rent
1979
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 detached82.7%
  • 1-unit attached2.8%
  • 2-9 units4.2%
  • 10+ units7.4%
  • Mobile home & other3.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$279,200
Median rent$1,131
Owner-occupied84.5%
Vacant2.5%
Price-to-income2.4x
Est. income to buy$77,000