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, NY

ZIP 12461 — 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 12461

Median Home Value
$404,200
Median Rent
$2,077
Affordability Snapshot
$111,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,596/mo PITI).

26%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

16.2 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 12461 in NY, a household would need roughly $111,000 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 $2,596. That is about 16% above the local median household income ($95,545), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.4%+29% vs US avg
x
Vacancy Rate
25.5%+147% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
8.3%-44% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
3.2%-53% vs US avg
x
Rent Burden >30%
54.3%+9% vs US avg
x
Mortgage-Free
56.9%+49% vs US avg
x
$404,200
Home Value
$2,077
Rent
1976
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached82.5%
  • 1-unit attached1.0%
  • 2-9 units6.6%
  • 10+ units0.0%
  • Mobile home & other9.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$404,200
Median rent$2,077
Owner-occupied84.4%
Vacant25.5%
Price-to-income4.2x
Est. income to buy$111,000