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Margaretville village, NY

ZIP 12455 — 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 12455

Median Home Value
$219,600
Median Rent
$935
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,411/mo PITI).

15%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.6 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 12455 in Margaretville village, NY, a household would need roughly $60,000 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 $1,411. That sits below the local median household income ($74,271), 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 47% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.4%+17% vs US avg
x
Vacancy Rate
47.3%+359% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
43.1%-13% vs US avg
x
Mortgage-Free
56.0%+47% vs US avg
x
$219,600
Home Value
$935
Rent
1976
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 detached84.9%
  • 1-unit attached1.4%
  • 2-9 units6.7%
  • 10+ units0.0%
  • Mobile home & other7.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$219,600
Median rent$935
Owner-occupied76.4%
Vacant47.3%
Price-to-income3.0x
Est. income to buy$60,000