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Adams village, NY

ZIP 13605 — 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 13605

Median Home Value
$188,200
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 (~$1,209/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.0 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 13605 in Adams village, 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 $1,209. That sits below the local median household income ($70,947), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.1%+15% vs US avg
x
Vacancy Rate
19.4%+88% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
11.2%-25% vs US avg
x
Built Pre-1939
2.0%-85% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
15.3%-69% vs US avg
x
Mortgage-Free
40.1%+5% vs US avg
x
$188,200
Home Value
$713
Rent
1966
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 detached69.1%
  • 1-unit attached1.2%
  • 2-9 units14.1%
  • 10+ units4.2%
  • Mobile home & other11.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,200
Median rent$713
Owner-occupied75.1%
Vacant19.4%
Price-to-income2.7x
Est. income to buy$52,000