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Hagaman village, NY

ZIP 12086 — 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 12086

Median Home Value
$208,200
Median Rent
$817
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,337/mo PITI).

12%
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.

21.2 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 12086 in Hagaman village, NY, a household would need roughly $57,000 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 $1,337. That sits below the local median household income ($81,556), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.5%+29% vs US avg
x
Vacancy Rate
19.1%+85% vs US avg
x
Broadband Access
84.1%-3% vs US avg
x
4+ Bedrooms
7.3%-51% vs US avg
x
Built Pre-1939
13.2%+3% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
4.6%-91% vs US avg
x
Mortgage-Free
46.4%+21% vs US avg
x
$208,200
Home Value
$817
Rent
1956
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached84.1%
  • 1-unit attached0.3%
  • 2-9 units13.4%
  • 10+ units0.0%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,200
Median rent$817
Owner-occupied84.5%
Vacant19.1%
Price-to-income2.6x
Est. income to buy$57,000