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Moravia village, NY

ZIP 13118 — 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 13118

Median Home Value
$161,900
Median Rent
$731
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,040/mo PITI).

13%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.5 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 13118 in Moravia village, NY, a household would need roughly $45,000 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 $1,040. That sits below the local median household income ($67,614), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.0%+27% vs US avg
x
Vacancy Rate
24.7%+140% vs US avg
x
Broadband Access
87.1%+0% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.5%-53% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$161,900
Home Value
$731
Rent
1971
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached70.6%
  • 1-unit attached0.5%
  • 2-9 units4.7%
  • 10+ units2.0%
  • Mobile home & other22.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$161,900
Median rent$731
Owner-occupied83.0%
Vacant24.7%
Price-to-income2.4x
Est. income to buy$45,000