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, NY

ZIP 13684 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13684

Median Home Value
$111,200
Median Rent
$550
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$714/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.

16.8 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 13684 in NY, a household would need roughly $31,000 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 $714. That sits below the local median household income ($56,250), 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 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.2%+32% vs US avg
x
Vacancy Rate
35.6%+245% vs US avg
x
Broadband Access
76.0%-13% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
9.8%-23% vs US avg
x
Built Post-2014
2.7%-61% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
60.0%+57% vs US avg
x
$111,200
Home Value
$550
Rent
1979
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 detached87.6%
  • 1-unit attached1.1%
  • 2-9 units2.4%
  • 10+ units0.0%
  • Mobile home & other8.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$111,200
Median rent$550
Owner-occupied86.2%
Vacant35.6%
Price-to-income2.0x
Est. income to buy$31,000