US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 13439
  5. Housing & Real Estate
Schuyler Lake CDP, NY

ZIP 13439 — 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 13439

Median Home Value
$184,300
Median Rent
$685
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,184/mo PITI).

13%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.4 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 13439 in Schuyler Lake CDP, NY, a household would need roughly $51,000 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 $1,184. That sits below the local median household income ($63,681), 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 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.7%+20% vs US avg
x
Vacancy Rate
36.0%+249% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
4.9%-61% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
5.7%-89% vs US avg
x
Mortgage-Free
45.9%+20% vs US avg
x
$184,300
Home Value
$685
Rent
1948
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 detached81.3%
  • 1-unit attached0.2%
  • 2-9 units7.0%
  • 10+ units1.0%
  • Mobile home & other10.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$184,300
Median rent$685
Owner-occupied78.7%
Vacant36.0%
Price-to-income2.9x
Est. income to buy$51,000