US5.com
  1. Home
  2. States
  3. ZIP 05861
  4. Housing & Real Estate
,

ZIP 05861 — 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 05861

Median Home Value
$248,600
Median Rent
$779
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,597/mo PITI).

12%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

26.6 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 05861, a household would need roughly $68,000 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 $1,597. That sits below the local median household income ($79,034), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.2%+36% vs US avg
x
Vacancy Rate
22.7%+120% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
8.0%-46% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
38.7%+1% vs US avg
x
$248,600
Home Value
$779
Rent
1975
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached82.6%
  • 1-unit attached1.8%
  • 2-9 units8.1%
  • 10+ units0.0%
  • Mobile home & other7.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$248,600
Median rent$779
Owner-occupied89.2%
Vacant22.7%
Price-to-income3.1x
Est. income to buy$68,000