US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12975
  5. Housing & Real Estate
, NY

ZIP 12975 — Housing & Real Estate

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

Low Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12975

Median Home Value
$97,000
Median Rent
$900
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$623/mo PITI).

9.0 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 12975 in NY, a household would need roughly $27,000 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 $623. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
29.4%+186% vs US avg
x
Broadband Access
81.0%-7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.8%-93% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
71.4%+87% vs US avg
x
$97,000
Home Value
$900
Rent
1984
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 detached86.6%
  • 1-unit attached0.0%
  • 2-9 units8.4%
  • 10+ units1.7%
  • Mobile home & other3.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$97,000
Median rent$900
Owner-occupied83.3%
Vacant29.4%
Est. income to buy$27,000