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Westmere CDP, NY

ZIP 12084 — 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 12084

Median Home Value
$325,800
Median Rent
$1,379
Affordability Snapshot
$90,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,093/mo PITI).

19%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

19.7 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 12084 in Westmere CDP, NY, a household would need roughly $90,000 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 $2,093. That is roughly in line with the local median household income ($86,968). 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
24.1%-63% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
95.7%+10% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.7%-60% vs US avg
x
Mortgage-Free
16.3%-57% vs US avg
x
$325,800
Home Value
$1,379
Rent
1975
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 detached23.3%
  • 1-unit attached3.0%
  • 2-9 units43.0%
  • 10+ units30.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$325,800
Median rent$1,379
Owner-occupied24.1%
Vacant5.2%
Price-to-income3.7x
Est. income to buy$90,000