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Clifton Knolls-Mill Creek CDP, NY

ZIP 12065 — 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 12065

Median Home Value
$356,900
Median Rent
$1,256
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,293/mo PITI).

13%
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.

23.7 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 12065 in Clifton Knolls-Mill Creek CDP, NY, a household would need roughly $98,000 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 $2,293. That sits below the local median household income ($115,681), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.0%+9% vs US avg
x
Vacancy Rate
6.7%-35% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
17.2%-65% vs US avg
x
Mortgage-Free
37.9%-1% vs US avg
x
$356,900
Home Value
$1,256
Rent
1986
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached57.7%
  • 1-unit attached8.5%
  • 2-9 units16.6%
  • 10+ units13.2%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$356,900
Median rent$1,256
Owner-occupied71.0%
Vacant6.7%
Price-to-income3.1x
Est. income to buy$98,000