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Chazy CDP, NY

ZIP 12921 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12921

Median Home Value
$195,300
Median Rent
$840
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,255/mo PITI).

10%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.4 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 12921 in Chazy CDP, NY, a household would need roughly $54,000 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 $1,255. That sits below the local median household income ($100,500), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.8%+30% vs US avg
x
Vacancy Rate
24.6%+139% vs US avg
x
Broadband Access
81.0%-7% vs US avg
x
4+ Bedrooms
7.5%-50% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
37.3%-25% vs US avg
x
Mortgage-Free
58.3%+53% vs US avg
x
$195,300
Home Value
$840
Rent
1979
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached78.9%
  • 1-unit attached0.0%
  • 2-9 units6.4%
  • 10+ units1.8%
  • Mobile home & other12.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$195,300
Median rent$840
Owner-occupied84.8%
Vacant24.6%
Price-to-income1.9x
Est. income to buy$54,000