US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12184
  5. Housing & Real Estate
Niverville CDP, NY

ZIP 12184 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12184

Median Home Value
$311,200
Median Rent
$1,025
Affordability Snapshot
$86,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,999/mo PITI).

13%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

25.3 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 12184 in Niverville CDP, NY, a household would need roughly $86,000 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 $1,999. That is roughly in line with the local median household income ($91,616). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.8%+21% vs US avg
x
Vacancy Rate
14.6%+42% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
25.1%-50% vs US avg
x
Mortgage-Free
45.0%+18% vs US avg
x
$311,200
Home Value
$1,025
Rent
1974
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached76.7%
  • 1-unit attached1.1%
  • 2-9 units11.4%
  • 10+ units4.7%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$311,200
Median rent$1,025
Owner-occupied78.8%
Vacant14.6%
Price-to-income3.4x
Est. income to buy$86,000