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, NY

ZIP 12737 — 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 12737

Median Home Value
$280,600
Median Rent
$638
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,802/mo PITI).

7%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

36.7 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 12737 in NY, a household would need roughly $77,000 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 $1,802. That sits below the local median household income ($102,150), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 38% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.2%+42% vs US avg
x
Vacancy Rate
38.3%+272% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
4.0%-68% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
40.9%+7% vs US avg
x
$280,600
Home Value
$638
Rent
1987
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached91.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other8.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$280,600
Median rent$638
Owner-occupied93.2%
Vacant38.3%
Price-to-income2.7x
Est. income to buy$77,000