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Mechanicville city, NY

ZIP 12118 — 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 12118

Median Home Value
$315,100
Median Rent
$925
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,024/mo PITI).

12%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

28.4 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 12118 in Mechanicville city, NY, a household would need roughly $87,000 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 $2,024. That is roughly in line with the local median household income ($91,182). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.5%+5% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
5.7%-55% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
28.0%-44% vs US avg
x
Mortgage-Free
32.3%-15% vs US avg
x
$315,100
Home Value
$925
Rent
1982
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached54.7%
  • 1-unit attached6.6%
  • 2-9 units29.5%
  • 10+ units5.3%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$315,100
Median rent$925
Owner-occupied68.5%
Vacant6.8%
Price-to-income3.5x
Est. income to buy$87,000