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Whitney Point village, NY

ZIP 13862 — 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 13862

Median Home Value
$138,400
Median Rent
$658
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$889/mo PITI).

13%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.5 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 13862 in Whitney Point village, NY, a household would need roughly $38,000 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 $889. That sits below the local median household income ($61,623), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.8%+14% vs US avg
x
Vacancy Rate
12.3%+20% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
6.2%-51% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.2%-82% vs US avg
x
Mortgage-Free
46.5%+22% vs US avg
x
$138,400
Home Value
$658
Rent
1973
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached65.6%
  • 1-unit attached0.6%
  • 2-9 units10.5%
  • 10+ units3.2%
  • Mobile home & other20.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$138,400
Median rent$658
Owner-occupied74.8%
Vacant12.3%
Price-to-income2.2x
Est. income to buy$38,000