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Napanoch CDP, NY

ZIP 12489 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12489

Median Home Value
$245,200
Median Rent
N/A
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,575/mo PITI).

9.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

To comfortably buy a median-priced home in ZIP 12489 in Napanoch CDP, NY, a household would need roughly $68,000 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 $1,575. That is about 161% above the local median household income ($26,100), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.3%-0% vs US avg
x
Vacancy Rate
11.1%+8% vs US avg
x
Broadband Access
65.3%-25% vs US avg
x
4+ Bedrooms
25.9%+75% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
100.0%+101% vs US avg
x
Mortgage-Free
55.3%+45% vs US avg
x
$245,200
Home Value
N/A
Rent
1938
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached69.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other30.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$245,200
Median rent$-666,666,666
Owner-occupied65.3%
Vacant11.1%
Price-to-income9.4x
Est. income to buy$68,000