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Schaghticoke village, NY

ZIP 12154 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12154

Median Home Value
$253,200
Median Rent
$700
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,626/mo PITI).

8%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.1 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 12154 in Schaghticoke village, NY, a household would need roughly $70,000 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 $1,626. That sits below the local median household income ($110,387), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
89.2%+36% vs US avg
x
Vacancy Rate
4.5%-57% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
27.3%-45% vs US avg
x
Mortgage-Free
41.7%+9% vs US avg
x
$253,200
Home Value
$700
Rent
1977
Year Built
2000
Moved In

Residents have lived here since ~2000 on average

Housing Structure

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

  • 1-unit detached89.3%
  • 1-unit attached0.2%
  • 2-9 units7.0%
  • 10+ units1.8%
  • Mobile home & other1.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$253,200
Median rent$700
Owner-occupied89.2%
Vacant4.5%
Price-to-income2.3x
Est. income to buy$70,000