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McGraw village, NY

ZIP 13101 — 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 13101

Median Home Value
$123,800
Median Rent
$738
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$795/mo PITI).

14%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.0 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 13101 in McGraw village, NY, a household would need roughly $34,000 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 $795. That sits below the local median household income ($62,670), 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
77.3%+18% vs US avg
x
Vacancy Rate
3.9%-63% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
2.7%-81% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.6%-75% vs US avg
x
Mortgage-Free
53.0%+39% vs US avg
x
$123,800
Home Value
$738
Rent
1958
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached77.5%
  • 1-unit attached1.6%
  • 2-9 units10.4%
  • 10+ units1.5%
  • Mobile home & other8.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$123,800
Median rent$738
Owner-occupied77.3%
Vacant3.9%
Price-to-income2.0x
Est. income to buy$34,000