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, NY

ZIP 13081 — 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 13081

Median Home Value
$259,100
Median Rent
$1,050
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,664/mo PITI).

14%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.6 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 13081 in NY, a household would need roughly $71,000 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 $1,664. That sits below the local median household income ($89,583), 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 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.4%+34% vs US avg
x
Vacancy Rate
32.9%+220% vs US avg
x
Broadband Access
89.6%+3% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
30.6%-38% vs US avg
x
Mortgage-Free
45.0%+18% vs US avg
x
$259,100
Home Value
$1,050
Rent
1966
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached85.9%
  • 1-unit attached0.0%
  • 2-9 units2.6%
  • 10+ units0.3%
  • Mobile home & other11.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$259,100
Median rent$1,050
Owner-occupied87.4%
Vacant32.9%
Price-to-income2.9x
Est. income to buy$71,000