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, NY

ZIP 13041 — 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 13041

Median Home Value
$199,200
Median Rent
$1,346
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,280/mo PITI).

15%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.3 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 13041 in NY, a household would need roughly $55,000 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 $1,280. That sits below the local median household income ($108,491), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
89.4%+37% vs US avg
x
Vacancy Rate
2.7%-74% vs US avg
x
Broadband Access
95.9%+10% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
30.2%-39% vs US avg
x
Mortgage-Free
29.9%-22% vs US avg
x
$199,200
Home Value
$1,346
Rent
1982
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached88.6%
  • 1-unit attached4.9%
  • 2-9 units0.7%
  • 10+ units5.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$199,200
Median rent$1,346
Owner-occupied89.4%
Vacant2.7%
Price-to-income1.8x
Est. income to buy$55,000