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Calcium CDP, NY

ZIP 13637 — 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 13637

Median Home Value
$189,600
Median Rent
$1,194
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).

23%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

13.2 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 13637 in Calcium CDP, 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 ($62,786), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
30.0%-54% vs US avg
x
Vacancy Rate
9.8%-5% vs US avg
x
Broadband Access
97.3%+12% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.3%-69% vs US avg
x
Mortgage-Free
35.3%-8% vs US avg
x
$189,600
Home Value
$1,194
Rent
1990
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached25.7%
  • 1-unit attached15.5%
  • 2-9 units39.6%
  • 10+ units6.9%
  • Mobile home & other12.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$189,600
Median rent$1,194
Owner-occupied30.0%
Vacant9.8%
Price-to-income3.0x
Est. income to buy$52,000