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Putnam Lake CDP, NY

ZIP 12563 — 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 12563

Median Home Value
$358,200
Median Rent
$1,852
Affordability Snapshot
$99,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,301/mo PITI).

22%
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.

16.1 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 12563 in Putnam Lake CDP, NY, a household would need roughly $99,000 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 $2,301. That is roughly in line with the local median household income ($102,472). 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
84.4%+29% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
97.0%+11% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
15.8%+24% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
34.5%-31% vs US avg
x
Mortgage-Free
28.6%-25% vs US avg
x
$358,200
Home Value
$1,852
Rent
1958
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached80.1%
  • 1-unit attached7.8%
  • 2-9 units8.7%
  • 10+ units2.5%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$358,200
Median rent$1,852
Owner-occupied84.4%
Vacant3.5%
Price-to-income3.5x
Est. income to buy$99,000