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Hammond village, NY

ZIP 13646 — 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 13646

Median Home Value
$133,000
Median Rent
$554
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$854/mo PITI).

10%
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.

20.0 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 13646 in Hammond village, NY, a household would need roughly $37,000 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 $854. That sits below the local median household income ($67,344), 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 62% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.4%+18% vs US avg
x
Vacancy Rate
61.9%+501% vs US avg
x
Broadband Access
81.5%-6% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
6.3%-50% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
52.2%+37% vs US avg
x
$133,000
Home Value
$554
Rent
1960
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached78.8%
  • 1-unit attached0.8%
  • 2-9 units1.8%
  • 10+ units0.7%
  • Mobile home & other17.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$133,000
Median rent$554
Owner-occupied77.4%
Vacant61.9%
Price-to-income2.0x
Est. income to buy$37,000