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Hamilton village, NY

ZIP 13346 — 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 13346

Median Home Value
$222,300
Median Rent
$932
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,428/mo PITI).

17%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

19.9 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 13346 in Hamilton village, NY, a household would need roughly $61,000 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 $1,428. That is roughly in line with the local median household income ($65,391). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.9%+8% vs US avg
x
Vacancy Rate
23.2%+125% vs US avg
x
Broadband Access
87.0%+0% vs US avg
x
4+ Bedrooms
8.1%-46% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.8%-58% vs US avg
x
Mortgage-Free
51.6%+35% vs US avg
x
$222,300
Home Value
$932
Rent
1963
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.2%
  • 1-unit attached0.8%
  • 2-9 units13.8%
  • 10+ units6.4%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$222,300
Median rent$932
Owner-occupied70.9%
Vacant23.2%
Price-to-income3.4x
Est. income to buy$61,000