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, NY

ZIP 12836 — 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 12836

Median Home Value
$350,000
Median Rent
$531
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,248/mo PITI).

8%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

54.9 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 12836 in NY, a household would need roughly $96,000 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 $2,248. That is about 17% above the local median household income ($81,875), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 64% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.7%+33% vs US avg
x
Vacancy Rate
63.8%+519% vs US avg
x
Broadband Access
82.2%-6% vs US avg
x
4+ Bedrooms
10.4%-30% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
8.6%-83% vs US avg
x
Mortgage-Free
51.1%+34% vs US avg
x
$350,000
Home Value
$531
Rent
1969
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 detached96.7%
  • 1-unit attached0.8%
  • 2-9 units1.2%
  • 10+ units0.0%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$350,000
Median rent$531
Owner-occupied86.7%
Vacant63.8%
Price-to-income4.3x
Est. income to buy$96,000