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Plattsburgh city, NY

ZIP 12901 — 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 12901

Median Home Value
$182,100
Median Rent
$870
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,170/mo PITI).

18%
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.

17.4 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 12901 in Plattsburgh city, NY, a household would need roughly $50,000 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 $1,170. That sits below the local median household income ($59,413), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
54.2%-17% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
30.1%-39% vs US avg
x
Mortgage-Free
48.7%+27% vs US avg
x
$182,100
Home Value
$870
Rent
1972
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached46.7%
  • 1-unit attached2.1%
  • 2-9 units29.7%
  • 10+ units11.0%
  • Mobile home & other10.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$182,100
Median rent$870
Owner-occupied54.2%
Vacant7.4%
Price-to-income3.1x
Est. income to buy$50,000