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Cambridge village, NY

ZIP 12816 — 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 12816

Median Home Value
$213,300
Median Rent
$897
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,370/mo PITI).

14%
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.

19.8 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 12816 in Cambridge village, NY, a household would need roughly $59,000 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 $1,370. That sits below the local median household income ($79,669), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.0%+27% vs US avg
x
Vacancy Rate
19.2%+87% vs US avg
x
Broadband Access
84.8%-3% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
24.3%-51% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$213,300
Home Value
$897
Rent
1953
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached77.7%
  • 1-unit attached1.1%
  • 2-9 units9.5%
  • 10+ units3.6%
  • Mobile home & other8.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$213,300
Median rent$897
Owner-occupied83.0%
Vacant19.2%
Price-to-income2.7x
Est. income to buy$59,000