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, NY

ZIP 13312 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13312

Median Home Value
$231,000
Median Rent
N/A
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,484/mo PITI).

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

To comfortably buy a median-priced home in ZIP 13312 in NY, a household would need roughly $64,000 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 $1,484. That sits below the local median household income ($71,172), 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 75% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.9%+34% vs US avg
x
Vacancy Rate
75.4%+632% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
9.6%-35% vs US avg
x
Built Pre-1939
15.4%+20% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
52.6%+6% vs US avg
x
Mortgage-Free
68.8%+80% vs US avg
x
$231,000
Home Value
N/A
Rent
1962
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached95.8%
  • 1-unit attached0.0%
  • 2-9 units0.6%
  • 10+ units0.0%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$231,000
Median rent$-666,666,666
Owner-occupied87.9%
Vacant75.4%
Price-to-income3.2x
Est. income to buy$64,000