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Andes CDP, NY

ZIP 13731 — 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 13731

Median Home Value
$270,000
Median Rent
$630
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,734/mo PITI).

10%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

35.7 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 13731 in Andes CDP, NY, a household would need roughly $74,000 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 $1,734. That is roughly in line with the local median household income ($76,429). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 53% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.2%+33% vs US avg
x
Vacancy Rate
53.0%+414% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
7.9%-47% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
4.3%-91% vs US avg
x
Mortgage-Free
70.3%+84% vs US avg
x
$270,000
Home Value
$630
Rent
1978
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 detached83.7%
  • 1-unit attached0.3%
  • 2-9 units2.3%
  • 10+ units0.0%
  • Mobile home & other13.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$270,000
Median rent$630
Owner-occupied87.2%
Vacant53.0%
Price-to-income3.5x
Est. income to buy$74,000