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Rome city, NY

ZIP 13478 — 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 13478

Median Home Value
$189,600
Median Rent
$713
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,218/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.2 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 13478 in Rome city, 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 $1,218. That sits below the local median household income ($77,195), 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
90.9%+39% vs US avg
x
Vacancy Rate
7.2%-30% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
12.5%-15% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.8%-40% vs US avg
x
Mortgage-Free
57.9%+52% vs US avg
x
$189,600
Home Value
$713
Rent
1970
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 detached88.4%
  • 1-unit attached1.4%
  • 2-9 units2.8%
  • 10+ units0.1%
  • Mobile home & other7.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$189,600
Median rent$713
Owner-occupied90.9%
Vacant7.2%
Price-to-income2.5x
Est. income to buy$52,000