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New Baltimore CDP, NY

ZIP 12087 — 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 12087

Median Home Value
$234,800
Median Rent
$1,588
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,508/mo PITI).

21%
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.

12.3 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 12087 in New Baltimore CDP, NY, a household would need roughly $65,000 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 $1,508. That sits below the local median household income ($89,375), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
94.6%+45% vs US avg
x
Vacancy Rate
13.0%+26% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
39.4%-21% vs US avg
x
Mortgage-Free
41.7%+9% vs US avg
x
$234,800
Home Value
$1,588
Rent
1969
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached85.3%
  • 1-unit attached0.0%
  • 2-9 units3.9%
  • 10+ units0.0%
  • Mobile home & other10.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$234,800
Median rent$1,588
Owner-occupied94.6%
Vacant13.0%
Price-to-income2.6x
Est. income to buy$65,000