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, NY

ZIP 12054 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12054

Median Home Value
$334,800
Median Rent
$1,543
Affordability Snapshot
$92,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,151/mo PITI).

14%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.1 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 12054 in NY, a household would need roughly $92,000 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 $2,151. That sits below the local median household income ($128,684), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
75.4%+15% vs US avg
x
Vacancy Rate
2.6%-74% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
6.0%-60% vs US avg
x
Built Pre-1939
10.1%-21% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
21.7%-56% vs US avg
x
Mortgage-Free
37.3%-2% vs US avg
x
$334,800
Home Value
$1,543
Rent
1962
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached73.0%
  • 1-unit attached3.4%
  • 2-9 units17.0%
  • 10+ units6.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$334,800
Median rent$1,543
Owner-occupied75.4%
Vacant2.6%
Price-to-income2.6x
Est. income to buy$92,000