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Middleville village, NY

ZIP 13406 — 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 13406

Median Home Value
$139,100
Median Rent
$800
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$894/mo PITI).

10%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.5 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 13406 in Middleville village, NY, a household would need roughly $38,000 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 $894. That sits below the local median household income ($98,000), 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

Vacancy rate 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
96.4%+47% vs US avg
x
Vacancy Rate
24.3%+136% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
3.1%-54% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
35.2%-8% vs US avg
x
$139,100
Home Value
$800
Rent
1938
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 detached77.0%
  • 1-unit attached2.7%
  • 2-9 units7.2%
  • 10+ units5.9%
  • Mobile home & other7.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$139,100
Median rent$800
Owner-occupied96.4%
Vacant24.3%
Price-to-income1.4x
Est. income to buy$38,000