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, NY

ZIP 13039 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13039

Median Home Value
$228,800
Median Rent
$1,014
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,470/mo PITI).

11%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.8 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 13039 in NY, a household would need roughly $63,000 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 $1,470. That sits below the local median household income ($108,694), 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
84.3%+29% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
97.3%+12% vs US avg
x
4+ Bedrooms
6.3%-58% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
14.7%-70% vs US avg
x
Mortgage-Free
31.0%-19% vs US avg
x
$228,800
Home Value
$1,014
Rent
1985
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached84.6%
  • 1-unit attached3.2%
  • 2-9 units5.2%
  • 10+ units6.8%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$228,800
Median rent$1,014
Owner-occupied84.3%
Vacant5.8%
Price-to-income2.1x
Est. income to buy$63,000