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Salt Point CDP, NY

ZIP 12578 — 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 12578

Median Home Value
$351,500
Median Rent
$1,517
Affordability Snapshot
$97,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,258/mo PITI).

19%
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.

19.3 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 12578 in Salt Point CDP, NY, a household would need roughly $97,000 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 $2,258. That is roughly in line with the local median household income ($97,367). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
80.1%+22% vs US avg
x
Vacancy Rate
9.1%-12% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
41.2%+8% vs US avg
x
$351,500
Home Value
$1,517
Rent
1964
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 detached95.2%
  • 1-unit attached0.0%
  • 2-9 units3.7%
  • 10+ units0.0%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$351,500
Median rent$1,517
Owner-occupied80.1%
Vacant9.1%
Price-to-income3.6x
Est. income to buy$97,000