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Kingston city, NY

ZIP 12401 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12401

Median Home Value
$285,700
Median Rent
$1,148
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,835/mo PITI).

20%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

20.7 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 12401 in Kingston city, NY, a household would need roughly $79,000 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 $1,835. That is about 17% above the local median household income ($67,426), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
56.8%-13% vs US avg
x
Vacancy Rate
10.4%+1% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
29.1%-42% vs US avg
x
Mortgage-Free
38.9%+2% vs US avg
x
$285,700
Home Value
$1,148
Rent
1953
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached52.8%
  • 1-unit attached3.0%
  • 2-9 units28.3%
  • 10+ units11.9%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$285,700
Median rent$1,148
Owner-occupied56.8%
Vacant10.4%
Price-to-income4.2x
Est. income to buy$79,000