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Hartwick CDP, NY

ZIP 13348 — 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 13348

Median Home Value
$187,500
Median Rent
$750
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,204/mo PITI).

12%
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.

20.8 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 13348 in Hartwick CDP, NY, a household would need roughly $52,000 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 $1,204. That sits below the local median household income ($77,903), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
15.8%+54% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
3.5%-49% vs US avg
x
Rent Burden >30%
42.9%-14% vs US avg
x
Mortgage-Free
32.1%-16% vs US avg
x
$187,500
Home Value
$750
Rent
1956
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 detached71.0%
  • 1-unit attached1.8%
  • 2-9 units11.5%
  • 10+ units4.9%
  • Mobile home & other10.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$187,500
Median rent$750
Owner-occupied81.8%
Vacant15.8%
Price-to-income2.4x
Est. income to buy$52,000