Median home value is about $134,500 — about 61% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $806 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 77.6% (about 12.2 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 13083 in Lacona, NY, a household would need roughly $37,000 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 $864. That sits below the local median household income ($60,625), 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.