ZIP 12164 — Housing & Real Estate

To comfortably buy a median-priced home in ZIP 12164 in Speculator village, NY, a household would need roughly $51,000 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 $1,190. That sits below the local median household income ($58,594), 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.