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Cold Brook village, NY

ZIP 13324 — 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 13324

Median Home Value
$144,800
Median Rent
$707
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$930/mo PITI).

11%
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.

17.1 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 13324 in Cold Brook village, NY, a household would need roughly $40,000 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 $930. That sits below the local median household income ($80,313), 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 42% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.9%+37% vs US avg
x
Vacancy Rate
42.2%+310% vs US avg
x
Broadband Access
85.1%-2% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
31.3%-37% vs US avg
x
Mortgage-Free
58.1%+52% vs US avg
x
$144,800
Home Value
$707
Rent
1974
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 detached80.0%
  • 1-unit attached1.5%
  • 2-9 units2.9%
  • 10+ units0.3%
  • Mobile home & other15.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$144,800
Median rent$707
Owner-occupied89.9%
Vacant42.2%
Price-to-income1.8x
Est. income to buy$40,000