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ZIP 04744 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04744

Median Home Value
$131,600
Median Rent
$745
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$845/mo PITI).

15%
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.

14.7 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 04744, a household would need roughly $36,000 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 $845. That sits below the local median household income ($60,701), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.5%+17% vs US avg
x
Vacancy Rate
11.4%+11% vs US avg
x
Broadband Access
76.2%-12% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
4.9%-61% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
27.7%-44% vs US avg
x
Mortgage-Free
48.7%+28% vs US avg
x
$131,600
Home Value
$745
Rent
1977
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 detached58.2%
  • 1-unit attached0.5%
  • 2-9 units19.8%
  • 10+ units3.6%
  • Mobile home & other18.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$131,600
Median rent$745
Owner-occupied76.5%
Vacant11.4%
Price-to-income2.2x
Est. income to buy$36,000