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Clayton village, NY

ZIP 13624 — 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 13624

Median Home Value
$224,000
Median Rent
$847
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,439/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.0 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 13624 in Clayton village, NY, a household would need roughly $62,000 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 $1,439. That sits below the local median household income ($79,167), 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 46% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.8%+1% vs US avg
x
Vacancy Rate
45.9%+346% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
3.9%-73% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
20.2%-59% vs US avg
x
Mortgage-Free
52.8%+38% vs US avg
x
$224,000
Home Value
$847
Rent
1973
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached66.7%
  • 1-unit attached0.3%
  • 2-9 units9.6%
  • 10+ units3.1%
  • Mobile home & other20.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$224,000
Median rent$847
Owner-occupied65.8%
Vacant45.9%
Price-to-income2.8x
Est. income to buy$62,000