US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12939
  5. Housing & Real Estate
, NY

ZIP 12939 — 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 12939

Median Home Value
$278,100
Median Rent
N/A
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,786/mo PITI).

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

To comfortably buy a median-priced home in ZIP 12939 in NY, a household would need roughly $77,000 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 $1,786. That is about 49% above the local median household income ($51,736), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.9%-4% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
92.8%+7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
49.2%+29% vs US avg
x
$278,100
Home Value
N/A
Rent
1978
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached70.1%
  • 1-unit attached0.0%
  • 2-9 units20.6%
  • 10+ units0.0%
  • Mobile home & other9.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$278,100
Median rent$-666,666,666
Owner-occupied62.9%
Vacant0.0%
Price-to-income5.4x
Est. income to buy$77,000