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, NY

ZIP 12957 — 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 12957

Median Home Value
$87,700
Median Rent
$531
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$563/mo PITI).

11%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.8 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 12957 in NY, a household would need roughly $24,000 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 $563. That sits below the local median household income ($57,839), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
60.1%-8% vs US avg
x
Vacancy Rate
9.2%-10% vs US avg
x
Broadband Access
82.6%-5% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
5.7%-56% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.1%-76% vs US avg
x
Mortgage-Free
57.6%+51% vs US avg
x
$87,700
Home Value
$531
Rent
1978
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached48.6%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units10.8%
  • Mobile home & other40.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$87,700
Median rent$531
Owner-occupied60.1%
Vacant9.2%
Price-to-income1.5x
Est. income to buy$24,000