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ZIP 05406
Housing & Real Estate

ZIP 05406 — Housing & Real Estate

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

Upper Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 05406

Median Home Value

$429,100

Median Rent

$1,726

Affordability Snapshot

$118,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,756/mo PITI).

19%

Rent-to-Income Ratio

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

3.9x

Home Price-to-Income Ratio

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

20.7 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 05406, a household would need roughly $118,000 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 $2,756. That is roughly in line with the local median household income ($111,395). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel

Housing Metrics

Owner Occupied

59.9%-8% vs US avg

Vacancy Rate

1.7%-84% vs US avg

Broadband Access

93.8%+8% vs US avg

4+ Bedrooms

1.5%-90% vs US avg

Built Pre-1939

0.4%-97% vs US avg

Built Post-2014

0.6%-92% vs US avg

Rent Burden >30%

21.4%-57% vs US avg

Mortgage-Free

32.2%-16% vs US avg

$429,100

Home Value

$1,726

Rent

1987

Year Built

2018

Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

1-unit detached38.8%
1-unit attached14.6%
2-9 units8.8%
10+ units37.8%
Mobile home & other0.0%

ZIP 05406 — Housing & Real Estate

Housing & Real Estate in ZIP Code 05406

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