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Millerton village, NY

ZIP 12546 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12546

Median Home Value
$317,200
Median Rent
$1,064
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,038/mo PITI).

14%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

24.8 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 12546 in Millerton village, NY, a household would need roughly $87,000 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 $2,038. That is roughly in line with the local median household income ($88,603). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.0%+25% vs US avg
x
Vacancy Rate
25.3%+145% vs US avg
x
Broadband Access
86.9%-0% vs US avg
x
4+ Bedrooms
10.8%-27% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.3%-69% vs US avg
x
Mortgage-Free
46.6%+22% vs US avg
x
$317,200
Home Value
$1,064
Rent
1976
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 detached75.3%
  • 1-unit attached2.4%
  • 2-9 units6.5%
  • 10+ units0.1%
  • Mobile home & other15.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$317,200
Median rent$1,064
Owner-occupied82.0%
Vacant25.3%
Price-to-income3.6x
Est. income to buy$87,000