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Woodstock CDP, NY

ZIP 12409 — 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 12409

Median Home Value
$662,300
Median Rent
$1,292
Affordability Snapshot
$182,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,254/mo PITI).

14%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

42.7 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 12409 in Woodstock CDP, NY, a household would need roughly $182,000 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 $4,254. That is about 59% above the local median household income ($114,758), 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 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.3%+30% vs US avg
x
Vacancy Rate
29.3%+184% vs US avg
x
Broadband Access
100.0%+15% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
9.4%-26% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
54.9%+44% vs US avg
x
$662,300
Home Value
$1,292
Rent
1966
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached99.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$662,300
Median rent$1,292
Owner-occupied85.3%
Vacant29.3%
Price-to-income5.8x
Est. income to buy$182,000