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Cairo CDP, NY

ZIP 12413 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12413

Median Home Value
$208,200
Median Rent
$908
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,337/mo PITI).

20%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

19.1 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 12413 in Cairo CDP, 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 $1,337. That is roughly in line with the local median household income ($53,958). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.7%-9% vs US avg
x
Vacancy Rate
21.6%+110% vs US avg
x
Broadband Access
79.6%-9% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.0%-58% vs US avg
x
Mortgage-Free
44.4%+16% vs US avg
x
$208,200
Home Value
$908
Rent
1975
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.3%
  • 1-unit attached0.3%
  • 2-9 units11.2%
  • 10+ units4.9%
  • Mobile home & other9.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,200
Median rent$908
Owner-occupied59.7%
Vacant21.6%
Price-to-income3.9x
Est. income to buy$57,000