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, NY

ZIP 13485 — 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 13485

Median Home Value
$136,800
Median Rent
$655
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$879/mo PITI).

12%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.4 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 13485 in 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 $879. That sits below the local median household income ($67,989), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.8%+28% vs US avg
x
Vacancy Rate
14.7%+43% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
8.9%-40% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
12.2%-75% vs US avg
x
Mortgage-Free
52.7%+38% vs US avg
x
$136,800
Home Value
$655
Rent
1977
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached73.8%
  • 1-unit attached0.0%
  • 2-9 units1.7%
  • 10+ units0.9%
  • Mobile home & other23.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$136,800
Median rent$655
Owner-occupied83.8%
Vacant14.7%
Price-to-income2.0x
Est. income to buy$38,000