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, NY

ZIP 12850 — 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 12850

Median Home Value
$294,600
Median Rent
$770
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,892/mo PITI).

10%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

31.9 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 12850 in NY, a household would need roughly $81,000 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 $1,892. That sits below the local median household income ($94,189), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.6%+40% vs US avg
x
Vacancy Rate
21.6%+110% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
8.9%-40% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
47.6%-4% vs US avg
x
Mortgage-Free
37.7%-1% vs US avg
x
$294,600
Home Value
$770
Rent
1983
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached77.2%
  • 1-unit attached1.2%
  • 2-9 units5.8%
  • 10+ units1.9%
  • Mobile home & other13.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$294,600
Median rent$770
Owner-occupied91.6%
Vacant21.6%
Price-to-income3.1x
Est. income to buy$81,000