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Ellenville village, NY

ZIP 12428 — 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 12428

Median Home Value
$200,800
Median Rent
$811
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,290/mo PITI).

12%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.6 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 12428 in Ellenville village, NY, a household would need roughly $55,000 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 $1,290. That sits below the local median household income ($78,802), 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

Vacancy rate 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.1%-5% vs US avg
x
Vacancy Rate
25.9%+151% vs US avg
x
Broadband Access
82.3%-5% vs US avg
x
4+ Bedrooms
11.6%-22% vs US avg
x
Built Pre-1939
8.1%-37% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
45.5%-8% vs US avg
x
Mortgage-Free
48.0%+26% vs US avg
x
$200,800
Home Value
$811
Rent
1956
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached62.5%
  • 1-unit attached2.2%
  • 2-9 units25.8%
  • 10+ units5.3%
  • Mobile home & other4.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,800
Median rent$811
Owner-occupied62.1%
Vacant25.9%
Price-to-income2.5x
Est. income to buy$55,000