US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12090
  5. Housing & Real Estate
Hoosick Falls village, NY

ZIP 12090 — 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 12090

Median Home Value
$187,900
Median Rent
$713
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,207/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.

22.0 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 12090 in Hoosick Falls village, NY, a household would need roughly $52,000 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 $1,207. That sits below the local median household income ($72,500), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.8%+11% vs US avg
x
Vacancy Rate
16.6%+62% vs US avg
x
Broadband Access
80.2%-8% vs US avg
x
4+ Bedrooms
6.7%-54% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.3%-57% vs US avg
x
Mortgage-Free
39.3%+3% vs US avg
x
$187,900
Home Value
$713
Rent
1957
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached70.0%
  • 1-unit attached0.8%
  • 2-9 units17.6%
  • 10+ units8.0%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$187,900
Median rent$713
Owner-occupied72.8%
Vacant16.6%
Price-to-income2.6x
Est. income to buy$52,000