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Cherry Valley village, NY

ZIP 13320 — 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 13320

Median Home Value
$191,600
Median Rent
$604
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,231/mo PITI).

9%
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.

26.4 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 13320 in Cherry Valley village, NY, a household would need roughly $53,000 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 $1,231. That sits below the local median household income ($80,956), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.4%+38% vs US avg
x
Vacancy Rate
31.0%+201% vs US avg
x
Broadband Access
81.9%-6% vs US avg
x
4+ Bedrooms
8.9%-40% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
13.0%-74% vs US avg
x
Mortgage-Free
53.5%+40% vs US avg
x
$191,600
Home Value
$604
Rent
1949
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached84.6%
  • 1-unit attached1.3%
  • 2-9 units5.2%
  • 10+ units0.2%
  • Mobile home & other8.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$191,600
Median rent$604
Owner-occupied90.4%
Vacant31.0%
Price-to-income2.4x
Est. income to buy$53,000