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Gardiner CDP, NY

ZIP 12525 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12525

Median Home Value
$363,400
Median Rent
$1,299
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,334/mo PITI).

15%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

23.3 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 12525 in Gardiner CDP, NY, a household would need roughly $100,000 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 $2,334. That is roughly in line with the local median household income ($103,417). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.2%+1% vs US avg
x
Vacancy Rate
33.0%+220% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.7%-56% vs US avg
x
Mortgage-Free
46.6%+22% vs US avg
x
$363,400
Home Value
$1,299
Rent
1980
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 detached76.0%
  • 1-unit attached0.0%
  • 2-9 units4.8%
  • 10+ units4.4%
  • Mobile home & other14.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$363,400
Median rent$1,299
Owner-occupied66.2%
Vacant33.0%
Price-to-income3.5x
Est. income to buy$100,000