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Fort Covington CDP, NY

ZIP 12937 — 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 12937

Median Home Value
$103,300
Median Rent
$710
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$664/mo PITI).

17%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.1 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 12937 in Fort Covington CDP, NY, a household would need roughly $28,000 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 $664. That sits below the local median household income ($49,265), 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
83.3%+27% vs US avg
x
Vacancy Rate
17.8%+73% vs US avg
x
Broadband Access
77.1%-11% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.8%-82% vs US avg
x
Mortgage-Free
51.0%+33% vs US avg
x
$103,300
Home Value
$710
Rent
1971
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 detached74.8%
  • 1-unit attached3.2%
  • 2-9 units3.6%
  • 10+ units3.5%
  • Mobile home & other14.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$103,300
Median rent$710
Owner-occupied83.3%
Vacant17.8%
Price-to-income2.1x
Est. income to buy$28,000