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Schroon Lake CDP, NY

ZIP 12870 — 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 12870

Median Home Value
$255,200
Median Rent
$662
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,639/mo PITI).

12%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

32.1 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 12870 in Schroon Lake CDP, NY, a household would need roughly $70,000 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 $1,639. That is roughly in line with the local median household income ($65,326). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 58% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.2%+26% vs US avg
x
Vacancy Rate
57.9%+462% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
5.7%-61% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
20.1%-59% vs US avg
x
Mortgage-Free
48.2%+26% vs US avg
x
$255,200
Home Value
$662
Rent
1976
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached83.4%
  • 1-unit attached2.5%
  • 2-9 units9.2%
  • 10+ units1.0%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$255,200
Median rent$662
Owner-occupied82.2%
Vacant57.9%
Price-to-income3.9x
Est. income to buy$70,000