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, NY

ZIP 13092 — 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 13092

Median Home Value
$174,100
Median Rent
$770
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,118/mo PITI).

14%
Rent-to-Income Ratio

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

2.7x
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 13092 in NY, a household would need roughly $48,000 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 $1,118. That sits below the local median household income ($64,453), 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
82.4%+26% vs US avg
x
Vacancy Rate
9.1%-12% vs US avg
x
Broadband Access
73.6%-15% vs US avg
x
4+ Bedrooms
6.1%-59% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.6%-69% vs US avg
x
Mortgage-Free
50.7%+33% vs US avg
x
$174,100
Home Value
$770
Rent
1977
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached68.2%
  • 1-unit attached0.6%
  • 2-9 units0.4%
  • 10+ units0.0%
  • Mobile home & other30.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$174,100
Median rent$770
Owner-occupied82.4%
Vacant9.1%
Price-to-income2.7x
Est. income to buy$48,000