Median home value is about $175,000 — about 50% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $509 (about 56% below the U.S. median rent ($1,163)), and owner-occupancy near 71.4% (about 6.0 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 13636 in Ellisburg, NY, a household would need roughly $48,000 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 $1,124. That is roughly in line with the local median household income ($52,500). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.