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Whitesboro village, NY

ZIP 13492 — 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 13492

Median Home Value
$192,200
Median Rent
$761
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,235/mo PITI).

11%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.0 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 13492 in Whitesboro village, NY, a household would need roughly $53,000 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 $1,235. That sits below the local median household income ($84,543), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.8%+17% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
6.2%-51% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
23.1%-53% vs US avg
x
Mortgage-Free
45.0%+18% vs US avg
x
$192,200
Home Value
$761
Rent
1959
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 detached74.4%
  • 1-unit attached1.5%
  • 2-9 units18.2%
  • 10+ units5.6%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$192,200
Median rent$761
Owner-occupied76.8%
Vacant3.9%
Price-to-income2.3x
Est. income to buy$53,000