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Freedom Plains CDP, NY

ZIP 12540 — 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 12540

Median Home Value
$443,800
Median Rent
$1,739
Affordability Snapshot
$122,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,851/mo PITI).

19%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

21.3 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 12540 in Freedom Plains CDP, NY, a household would need roughly $122,000 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 $2,851. That is roughly in line with the local median household income ($107,436). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
86.3%+32% vs US avg
x
Vacancy Rate
4.4%-58% vs US avg
x
Broadband Access
96.4%+11% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
19.5%-61% vs US avg
x
Mortgage-Free
42.2%+10% vs US avg
x
$443,800
Home Value
$1,739
Rent
1982
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached85.9%
  • 1-unit attached6.5%
  • 2-9 units5.7%
  • 10+ units1.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$443,800
Median rent$1,739
Owner-occupied86.3%
Vacant4.4%
Price-to-income4.1x
Est. income to buy$122,000