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, NY

ZIP 12855 — 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 12855

Median Home Value
$157,500
Median Rent
N/A
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,012/mo PITI).

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 12855 in NY, a household would need roughly $43,000 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 $1,012. That sits below the local median household income ($67,955), 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 59% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.9%+44% vs US avg
x
Vacancy Rate
59.3%+476% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
50.0%+1% vs US avg
x
Mortgage-Free
45.6%+20% vs US avg
x
$157,500
Home Value
N/A
Rent
1970
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

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

  • 1-unit detached93.4%
  • 1-unit attached0.0%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other5.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$157,500
Median rent$-666,666,666
Owner-occupied93.9%
Vacant59.3%
Price-to-income2.3x
Est. income to buy$43,000