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, NY

ZIP 13846 — Housing & Real Estate

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

Low Income AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13846

Median Home Value
$215,400
Median Rent
N/A
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,384/mo PITI).

7.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

To comfortably buy a median-priced home in ZIP 13846 in NY, a household would need roughly $59,000 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 $1,384. That is about 99% above the local median household income ($29,609), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.9%+33% vs US avg
x
Vacancy Rate
27.1%+163% vs US avg
x
Broadband Access
61.4%-29% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
72.2%+89% vs US avg
x
$215,400
Home Value
N/A
Rent
1938
Year Built
1992
Moved In

Residents have lived here since ~1992 on average

Housing Structure

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

  • 1-unit detached92.0%
  • 1-unit attached0.0%
  • 2-9 units8.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$215,400
Median rent$-666,666,666
Owner-occupied86.9%
Vacant27.1%
Price-to-income7.3x
Est. income to buy$59,000