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ZIP 05049
Housing & Real Estate

ZIP 05049 — 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 05049

Median Home Value

$331,100

Median Rent

$1,132

Affordability Snapshot

$91,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,127/mo PITI).

14%

Rent-to-Income Ratio

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

3.4x

Home Price-to-Income Ratio

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

24.4 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 05049, a household would need roughly $91,000 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 $2,127. That is roughly in line with the local median household income ($97,526). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

90.4%+38% vs US avg

Vacancy Rate

12.5%+21% vs US avg

Broadband Access

96.7%+11% vs US avg

4+ Bedrooms

5.8%-61% vs US avg

Built Pre-1939

3.6%-72% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

15.8%-68% vs US avg

Mortgage-Free

52.3%+37% vs US avg

$331,100

Home Value

$1,132

Rent

1977

Year Built

2005

Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

1-unit detached85.3%
1-unit attached4.7%
2-9 units3.2%
10+ units0.0%
Mobile home & other6.9%

ZIP 05049 — Housing & Real Estate

Housing & Real Estate in ZIP Code 05049

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