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Salem CDP, NY

ZIP 12865 — 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 12865

Median Home Value
$170,300
Median Rent
$793
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,094/mo PITI).

13%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.9 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 12865 in Salem CDP, NY, a household would need roughly $47,000 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 $1,094. That sits below the local median household income ($70,868), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.7%+25% vs US avg
x
Vacancy Rate
17.8%+73% vs US avg
x
Broadband Access
86.1%-1% vs US avg
x
4+ Bedrooms
6.7%-55% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
58.5%+53% vs US avg
x
$170,300
Home Value
$793
Rent
1951
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 detached81.4%
  • 1-unit attached0.1%
  • 2-9 units8.6%
  • 10+ units0.5%
  • Mobile home & other9.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$170,300
Median rent$793
Owner-occupied81.7%
Vacant17.8%
Price-to-income2.4x
Est. income to buy$47,000