US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12776
  5. Housing & Real Estate
Roscoe CDP, NY

ZIP 12776 — 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 12776

Median Home Value
$238,800
Median Rent
$745
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,534/mo PITI).

11%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.7 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 12776 in Roscoe CDP, NY, a household would need roughly $66,000 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 $1,534. That sits below the local median household income ($79,875), 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 60% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.9%+36% vs US avg
x
Vacancy Rate
59.8%+480% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.3%-33% vs US avg
x
Mortgage-Free
47.1%+23% vs US avg
x
$238,800
Home Value
$745
Rent
1970
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached82.3%
  • 1-unit attached0.0%
  • 2-9 units2.3%
  • 10+ units0.5%
  • Mobile home & other14.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$238,800
Median rent$745
Owner-occupied88.9%
Vacant59.8%
Price-to-income3.0x
Est. income to buy$66,000