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Loudonville CDP, NY

ZIP 12211 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12211

Median Home Value
$396,400
Median Rent
$2,185
Affordability Snapshot
$109,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,546/mo PITI).

18%
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.

15.1 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 12211 in Loudonville CDP, NY, a household would need roughly $109,000 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 $2,546. That sits below the local median household income ($145,709), 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
91.7%+40% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
8.1%-45% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
39.2%-21% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$396,400
Home Value
$2,185
Rent
1966
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached91.8%
  • 1-unit attached1.6%
  • 2-9 units2.3%
  • 10+ units4.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$396,400
Median rent$2,185
Owner-occupied91.7%
Vacant5.3%
Price-to-income2.7x
Est. income to buy$109,000