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Mariaville Lake CDP, NY

ZIP 12137 — 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 12137

Median Home Value
$267,200
Median Rent
$3,501
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,716/mo PITI).

43%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

6.4 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 12137 in Mariaville Lake CDP, NY, a household would need roughly $74,000 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 $1,716. That sits below the local median household income ($96,678), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
80.2%+23% vs US avg
x
Vacancy Rate
6.6%-36% vs US avg
x
Broadband Access
95.3%+10% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
6.6%-4% vs US avg
x
Rent Burden >30%
7.1%-86% vs US avg
x
Mortgage-Free
38.3%+0% vs US avg
x
$267,200
Home Value
$3,501
Rent
1978
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached77.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units13.1%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$267,200
Median rent$3,501
Owner-occupied80.2%
Vacant6.6%
Price-to-income2.8x
Est. income to buy$74,000