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Hartwick Seminary CDP, NY

ZIP 13326 — 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 13326

Median Home Value
$308,600
Median Rent
$1,046
Affordability Snapshot
$85,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,982/mo PITI).

18%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

24.6 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 13326 in Hartwick Seminary CDP, NY, a household would need roughly $85,000 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 $1,982. That is about 20% above the local median household income ($70,977), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.6%+9% vs US avg
x
Vacancy Rate
29.8%+189% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
10.0%-33% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
12.1%-76% vs US avg
x
Mortgage-Free
56.0%+46% vs US avg
x
$308,600
Home Value
$1,046
Rent
1951
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached69.6%
  • 1-unit attached3.4%
  • 2-9 units18.6%
  • 10+ units2.3%
  • Mobile home & other6.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$308,600
Median rent$1,046
Owner-occupied71.6%
Vacant29.8%
Price-to-income4.3x
Est. income to buy$85,000