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, NY

ZIP 12928 — 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 12928

Median Home Value
$155,400
Median Rent
$575
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$998/mo PITI).

9%
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.

22.5 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 12928 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 $998. That sits below the local median household income ($79,890), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.9%+44% vs US avg
x
Vacancy Rate
30.5%+197% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
10.6%-79% vs US avg
x
Mortgage-Free
55.7%+46% vs US avg
x
$155,400
Home Value
$575
Rent
1974
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached81.7%
  • 1-unit attached0.5%
  • 2-9 units2.0%
  • 10+ units0.0%
  • Mobile home & other15.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$155,400
Median rent$575
Owner-occupied93.9%
Vacant30.5%
Price-to-income1.9x
Est. income to buy$43,000