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Rensselaer city, NY

ZIP 12144 — 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 12144

Median Home Value
$235,300
Median Rent
$1,245
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,512/mo PITI).

17%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.7 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 12144 in Rensselaer city, 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 $1,512. That sits below the local median household income ($88,357), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
59.1%-10% vs US avg
x
Vacancy Rate
8.8%-15% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
5.7%-61% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
14.2%-71% vs US avg
x
Mortgage-Free
33.6%-12% vs US avg
x
$235,300
Home Value
$1,245
Rent
1972
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 detached51.4%
  • 1-unit attached6.1%
  • 2-9 units26.7%
  • 10+ units15.4%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$235,300
Median rent$1,245
Owner-occupied59.1%
Vacant8.8%
Price-to-income2.7x
Est. income to buy$65,000