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Three Mile Bay CDP, NY

ZIP 13693 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13693

Median Home Value
$212,500
Median Rent
N/A
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,365/mo PITI).

4.8x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 13693 in Three Mile Bay CDP, NY, a household would need roughly $58,000 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 $1,365. That is about 31% above the local median household income ($44,375), 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 84% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
96.9%+48% vs US avg
x
Vacancy Rate
84.3%+718% vs US avg
x
Broadband Access
94.4%+8% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
13.4%+5% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
51.0%+33% vs US avg
x
$212,500
Home Value
N/A
Rent
1983
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached73.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other26.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$212,500
Median rent$-666,666,666
Owner-occupied96.9%
Vacant84.3%
Price-to-income4.8x
Est. income to buy$58,000