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Jefferson CDP, NY

ZIP 12093 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12093

Median Home Value
$162,000
Median Rent
N/A
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,041/mo PITI).

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 12093 in Jefferson CDP, NY, a household would need roughly $45,000 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 $1,041. That sits below the local median household income ($61,250), 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 47% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.0%+38% vs US avg
x
Vacancy Rate
46.5%+352% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.1%-90% vs US avg
x
Mortgage-Free
56.1%+47% vs US avg
x
$162,000
Home Value
N/A
Rent
1976
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached76.7%
  • 1-unit attached0.5%
  • 2-9 units1.7%
  • 10+ units0.0%
  • Mobile home & other21.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$162,000
Median rent$-666,666,666
Owner-occupied90.0%
Vacant46.5%
Price-to-income2.6x
Est. income to buy$45,000