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Germantown CDP, NY

ZIP 12526 — 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 12526

Median Home Value
$374,800
Median Rent
$964
Affordability Snapshot
$103,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,408/mo PITI).

13%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

32.4 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 12526 in Germantown CDP, NY, a household would need roughly $103,000 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 $2,408. That is about 18% above the local median household income ($87,107), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.6%+25% vs US avg
x
Vacancy Rate
17.4%+69% vs US avg
x
Broadband Access
87.1%+0% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
7.2%-43% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
47.5%+24% vs US avg
x
$374,800
Home Value
$964
Rent
1964
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached81.8%
  • 1-unit attached1.2%
  • 2-9 units7.3%
  • 10+ units6.4%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$374,800
Median rent$964
Owner-occupied81.6%
Vacant17.4%
Price-to-income4.3x
Est. income to buy$103,000