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, NY

ZIP 13328 — 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 13328

Median Home Value
$200,800
Median Rent
$496
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,290/mo PITI).

6%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

33.7 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 13328 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 $1,290. That sits below the local median household income ($95,000), 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
2.8%-73% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
11.0%-14% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.7%-56% vs US avg
x
Mortgage-Free
47.4%+24% vs US avg
x
$200,800
Home Value
$496
Rent
1965
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 detached86.2%
  • 1-unit attached0.0%
  • 2-9 units9.7%
  • 10+ units0.0%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,800
Median rent$496
Owner-occupied89.4%
Vacant2.8%
Price-to-income2.1x
Est. income to buy$55,000