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Vernon village, NY

ZIP 13476 — 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 13476

Median Home Value
$177,100
Median Rent
$790
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,138/mo PITI).

15%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.7 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 13476 in Vernon village, NY, a household would need roughly $49,000 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 $1,138. That sits below the local median household income ($63,480), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.3%-6% vs US avg
x
Vacancy Rate
8.9%-14% vs US avg
x
Broadband Access
92.2%+6% vs US avg
x
4+ Bedrooms
9.5%-36% vs US avg
x
Built Pre-1939
16.5%+29% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.8%-80% vs US avg
x
Mortgage-Free
41.4%+8% vs US avg
x
$177,100
Home Value
$790
Rent
1951
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached59.1%
  • 1-unit attached0.6%
  • 2-9 units25.9%
  • 10+ units13.0%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,100
Median rent$790
Owner-occupied61.3%
Vacant8.9%
Price-to-income2.8x
Est. income to buy$49,000