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, NY

ZIP 12439 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12439

Median Home Value
$170,800
Median Rent
N/A
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,097/mo PITI).

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 12439 in NY, a household would need roughly $47,000 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 $1,097. That sits below the local median household income ($88,958), 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 72% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
92.7%+42% vs US avg
x
Vacancy Rate
72.4%+603% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
5.8%-60% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
36.4%-27% vs US avg
x
Mortgage-Free
15.7%-59% vs US avg
x
$170,800
Home Value
N/A
Rent
1985
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached58.1%
  • 1-unit attached25.6%
  • 2-9 units4.0%
  • 10+ units12.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$170,800
Median rent$-666,666,666
Owner-occupied92.7%
Vacant72.4%
Price-to-income1.9x
Est. income to buy$47,000