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Amsterdam city, NY

ZIP 12010 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12010

Median Home Value
$161,500
Median Rent
$727
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,037/mo PITI).

15%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.5 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 12010 in Amsterdam city, NY, a household would need roughly $44,000 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 $1,037. That sits below the local median household income ($60,013), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.8%-2% vs US avg
x
Vacancy Rate
16.1%+56% vs US avg
x
Broadband Access
83.0%-5% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
27.4%-45% vs US avg
x
Mortgage-Free
51.4%+34% vs US avg
x
$161,500
Home Value
$727
Rent
1946
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached51.3%
  • 1-unit attached1.7%
  • 2-9 units39.4%
  • 10+ units5.0%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$161,500
Median rent$727
Owner-occupied63.8%
Vacant16.1%
Price-to-income2.7x
Est. income to buy$44,000