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Gilbertsville village, NY

ZIP 13776 — 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 13776

Median Home Value
$150,000
Median Rent
$573
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$964/mo PITI).

10%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.8 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 13776 in Gilbertsville village, NY, a household would need roughly $41,000 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 $964. That sits below the local median household income ($72,000), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
28.3%+174% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
10.6%-29% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.0%-80% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$150,000
Home Value
$573
Rent
1938
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 detached89.5%
  • 1-unit attached1.3%
  • 2-9 units8.9%
  • 10+ units0.0%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$150,000
Median rent$573
Owner-occupied82.3%
Vacant28.3%
Price-to-income2.1x
Est. income to buy$41,000