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Henderson CDP, NY

ZIP 13650 — 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 13650

Median Home Value
$206,700
Median Rent
$741
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,328/mo PITI).

10%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.2 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 13650 in Henderson CDP, NY, a household would need roughly $57,000 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 $1,328. That sits below the local median household income ($91,458), 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 61% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.4%+20% vs US avg
x
Vacancy Rate
61.4%+496% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
3.6%-75% vs US avg
x
Built Pre-1939
7.4%-42% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
23.0%-54% vs US avg
x
Mortgage-Free
60.5%+58% vs US avg
x
$206,700
Home Value
$741
Rent
1968
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 detached79.3%
  • 1-unit attached0.0%
  • 2-9 units2.6%
  • 10+ units2.4%
  • Mobile home & other15.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$206,700
Median rent$741
Owner-occupied78.4%
Vacant61.4%
Price-to-income2.3x
Est. income to buy$57,000