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Redford CDP, NY

ZIP 12981 — 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 12981

Median Home Value
$141,900
Median Rent
$781
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$912/mo PITI).

13%
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.

15.1 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 12981 in Redford CDP, NY, a household would need roughly $39,000 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 $912. That sits below the local median household income ($73,258), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.2%+33% vs US avg
x
Vacancy Rate
21.0%+104% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
38.0%-0% vs US avg
x
$141,900
Home Value
$781
Rent
1957
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached80.3%
  • 1-unit attached0.0%
  • 2-9 units6.2%
  • 10+ units1.8%
  • Mobile home & other11.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$141,900
Median rent$781
Owner-occupied87.2%
Vacant21.0%
Price-to-income1.9x
Est. income to buy$39,000