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Smithville Flats CDP, NY

ZIP 13801 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13801

Median Home Value
$148,400
Median Rent
$592
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$953/mo PITI).

11%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.9 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 13801 in Smithville Flats CDP, NY, a household would need roughly $41,000 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 $953. That sits below the local median household income ($66,985), 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 34% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.4%+32% vs US avg
x
Vacancy Rate
34.4%+234% vs US avg
x
Broadband Access
81.4%-6% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
15.1%-70% vs US avg
x
Mortgage-Free
57.0%+49% vs US avg
x
$148,400
Home Value
$592
Rent
1975
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 detached74.6%
  • 1-unit attached0.1%
  • 2-9 units1.2%
  • 10+ units0.0%
  • Mobile home & other24.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$148,400
Median rent$592
Owner-occupied86.4%
Vacant34.4%
Price-to-income2.2x
Est. income to buy$41,000