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Woodstock CDP, NY

ZIP 12498 — 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 12498

Median Home Value
$542,300
Median Rent
$1,358
Affordability Snapshot
$149,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,484/mo PITI).

20%
Rent-to-Income Ratio

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

6.8x
Home Price-to-Income Ratio

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

33.3 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 12498 in Woodstock CDP, NY, a household would need roughly $149,000 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 $3,484. That is about 86% above the local median household income ($80,221), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.8%+19% vs US avg
x
Vacancy Rate
19.0%+84% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
50.0%+1% vs US avg
x
Mortgage-Free
51.8%+36% vs US avg
x
$542,300
Home Value
$1,358
Rent
1965
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 detached85.0%
  • 1-unit attached2.8%
  • 2-9 units10.3%
  • 10+ units0.9%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$542,300
Median rent$1,358
Owner-occupied77.8%
Vacant19.0%
Price-to-income6.8x
Est. income to buy$149,000