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Chestertown CDP, NY

ZIP 12817 — 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 12817

Median Home Value
$304,500
Median Rent
$710
Affordability Snapshot
$84,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,956/mo PITI).

9%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

35.7 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 12817 in Chestertown CDP, NY, a household would need roughly $84,000 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 $1,956. That is roughly in line with the local median household income ($90,469). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 54% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.2%+26% vs US avg
x
Vacancy Rate
54.4%+428% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
12.4%-16% vs US avg
x
Built Pre-1939
5.2%-59% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
26.2%-47% vs US avg
x
Mortgage-Free
54.0%+41% vs US avg
x
$304,500
Home Value
$710
Rent
1977
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 detached81.5%
  • 1-unit attached7.4%
  • 2-9 units8.0%
  • 10+ units0.0%
  • Mobile home & other3.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$304,500
Median rent$710
Owner-occupied82.2%
Vacant54.4%
Price-to-income3.4x
Est. income to buy$84,000