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North Creek CDP, NY

ZIP 12853 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12853

Median Home Value
$199,000
Median Rent
$739
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,278/mo PITI).

15%
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.

22.4 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 12853 in North Creek CDP, NY, a household would need roughly $55,000 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 $1,278. That is roughly in line with the local median household income ($58,850). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 45% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.6%+26% vs US avg
x
Vacancy Rate
45.3%+340% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
19.6%-61% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$199,000
Home Value
$739
Rent
1976
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached68.8%
  • 1-unit attached8.6%
  • 2-9 units3.9%
  • 10+ units4.8%
  • Mobile home & other13.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$199,000
Median rent$739
Owner-occupied82.6%
Vacant45.3%
Price-to-income3.4x
Est. income to buy$55,000