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Valley Falls village, NY

ZIP 12185 — 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 12185

Median Home Value
$208,700
Median Rent
$724
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,341/mo PITI).

8%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.0 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 12185 in Valley Falls village, NY, a household would need roughly $57,000 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 $1,341. That sits below the local median household income ($111,691), 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
79.0%+21% vs US avg
x
Vacancy Rate
5.4%-48% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
2.8%-94% vs US avg
x
Mortgage-Free
36.3%-5% vs US avg
x
$208,700
Home Value
$724
Rent
1968
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached91.0%
  • 1-unit attached1.1%
  • 2-9 units7.7%
  • 10+ units0.0%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,700
Median rent$724
Owner-occupied79.0%
Vacant5.4%
Price-to-income1.9x
Est. income to buy$57,000