US5.com
  1. Home
  2. States
  3. New York
  4. ZIP 12989
  5. Housing & Real Estate
, NY

ZIP 12989 — 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 12989

Median Home Value
$196,500
Median Rent
$636
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,262/mo PITI).

10%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.7 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 12989 in NY, a household would need roughly $54,000 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 $1,262. That sits below the local median household income ($78,438), 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 45% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.3%+40% vs US avg
x
Vacancy Rate
45.2%+338% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.9%-76% vs US avg
x
Mortgage-Free
56.8%+49% vs US avg
x
$196,500
Home Value
$636
Rent
1973
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 detached89.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other10.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$196,500
Median rent$636
Owner-occupied91.3%
Vacant45.2%
Price-to-income2.5x
Est. income to buy$54,000