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, NY

ZIP 12406 — 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 12406

Median Home Value
$260,000
Median Rent
$758
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,670/mo PITI).

14%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

28.6 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 12406 in NY, a household would need roughly $72,000 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 $1,670. That is roughly in line with the local median household income ($65,643). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 50% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.1%+7% vs US avg
x
Vacancy Rate
49.8%+383% vs US avg
x
Broadband Access
68.6%-21% vs US avg
x
4+ Bedrooms
13.2%-11% vs US avg
x
Built Pre-1939
1.2%-90% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
57.1%+15% vs US avg
x
Mortgage-Free
55.6%+46% vs US avg
x
$260,000
Home Value
$758
Rent
1979
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 detached70.1%
  • 1-unit attached2.0%
  • 2-9 units6.6%
  • 10+ units9.0%
  • Mobile home & other12.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$260,000
Median rent$758
Owner-occupied70.1%
Vacant49.8%
Price-to-income4.0x
Est. income to buy$72,000