Housing data for the Town of Indian Lake, NY
The Town of Indian Lake, NY has an estimated 1,268 residents and 1,687 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a town in Hamilton County.
20.2% of households rent.
The median gross rent is $825 a month.
Figures last updated on .
- Residents
- 1,268 (±176)
- Housing units
- 1,687 (±83)
- Households that rent
- 20.2%
- Median gross rent
- $825
- Residents since 2015–2019
- +31.8%
What stands out in the Town of Indian Lake
Homes heated by fuel oil: 49.5% (±9.5 points) in the Town of Indian Lake, higher than in Hamilton County (36.7%).
Housing in the Town of Indian Lake at a glance
- Median rent: $825 median gross rent a month
- Rent by bedrooms: $1,042 median gross rent, 2 bedrooms (Small sample: wide margin of error)
- Rent burden: 58.9% of renters pay 30% or more of income
- Renters and owners: 20.2% of households rent
- Income and affordability: $62,824 median household income
- Home values: $254,800 median home value
- Homeowner costs: $1,328 median monthly cost with a mortgage
- Property taxes: $2,505 median real estate taxes a year
- Types of homes: 2.0% of homes are in buildings of 5 or more units
- Bedrooms: 51.9% of homes have 3 or more bedrooms
- Age of homes: 60.6% of homes were built before 1980
- Vacancy rate: 14.1% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 49.5% heat with fuel oil or kerosene
- Commute and cars: 23.8 minutes average trip to work
- Growth: +31.8% residents since 2015–2019
- How long people stay: 21.6% moved in since 2020
- Crowding and facilities: 0.6% of homes have more than 1 person per room (Small sample: wide margin of error)
The Town of Indian Lake against Hamilton County, its state and the nation
| Town of Indian Lake | Hamilton County | New York | United States | |
|---|---|---|---|---|
| Residents | 1,268 (±176) | 5,089 (exact) | 19,852,366 (exact) | 334,922,499 |
| Housing units | 1,687 (±83) | 7,911 (±32) | 8,585,241 (±652) | 143,775,355 |
| Households that rent | 20.2% (±6.9 points) | 17.6% (±2.5 points) | 45.7% (±0.2 points) | 34.8% |
| Median gross rent | $825 (±$194) | $912 (±$66) | $1,621 (±$7) | $1,413 |
| Median household income | $62,824 (±$16,666) | $68,835 (±$5,478) | $85,974 (±$402) | $80,734 |
| Median home value | $254,800 (±$32,007) | $260,200 (±$15,097) | $423,800 (±$1,627) | $332,700 |
| Median real estate taxes (a year) | $2,505 (±$246) | $2,597 (±$163) | $6,582 (±$21) | $3,119 |
| Built before 1980 | 60.6% (±7.4 points) | 63.5% (±3.1 points) | 73.9% (±0.2 points) | 49.7% |
| Average commute | 23.8 minutes (±5.9) | 22.6 minutes (±2.5) | 32.6 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 87.5% (±5.7 points) | 90.2% (±2.3 points) | 90.8% (±0.1 points) | 91.0% |
| Median age of residents | 62.0 years (±3.1) | 58.1 years (±1.0) | 39.8 years (±0.1) | 38.9 years |
The Town of Indian Lake covers 251.8 square miles of land, about 5 residents per square mile (Census Bureau Gazetteer).
How the Town of Indian Lake has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 962 (±252) | 1,268 (±176) | +31.8% | Not a measurable change |
| Housing units | 1,982 (±41) | 1,687 (±83) | −14.9% | Measurable decrease |
| Median gross rent | $546 (±$210) | $825 (±$194) | +51.1% | No measurable change after inflation |
| Median home value | $162,800 (±$20,192) | $254,800 (±$32,007) | +56.5% | Up after inflation |
| Median household income | $58,438 (±$8,383) | $62,824 (±$16,666) | +7.5% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,143 (±$91) | $1,328 (±$186) | +16.2% | No measurable change after inflation |
| Median real estate taxes | $1,640 (±$227) | $2,505 (±$246) | +52.7% | Up after inflation |
| Households that rent | 13.7% (±5.5 points) | 20.2% (±6.9 points) | +6.5 percentage points | Not a measurable change |
| Rental vacancy rate | 23.3% (±22.2 points) | 14.1% (±11.0 points) | −9.2 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Hamilton County
The Town of Indian Lake has no police department of its own in the FBI’s figures, so this is the figure for Hamilton County as a whole.
In 2025, the police departments that report for Hamilton County recorded 0 violent and 136 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in the Town of Indian Lake
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 12812 | 100% | 265 | — | $412,200 | $155,536 |
| 12842 | 100% | 995 | $792 | $220,200 | $58,702 |
| 12864 | 100% | 8 | — | — | — |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near the Town of Indian Lake
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Town of Minerva | 13 mi | $784 | $171,800 | 12.0% |
| Village of Speculator | 15 mi | $1,042 | $250,000 | 37.1% |
| Town of Lake Pleasant | 15 mi | $962 | $248,400 | 29.4% |
| Town of Long Lake | 18 mi | $823 | $279,200 | 17.1% |
| Town of Inlet | 18 mi | — | $344,200 | 11.7% |
| Town of Johnsburg | 19 mi | $942 | $215,600 | 18.0% |
| Town of Newcomb | 20 mi | — | $254,800 | 9.0% |
| Town of Wells | 23 mi | — | $268,600 | 8.3% |
Places in New York most like the Town of Indian Lake
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Town of Roxbury | $867 | $271,000 | $58,042 | 17.5% |
| Town of Hamden | $934 | $226,500 | $64,457 | 13.4% |
| Town of Denmark | $952 | $193,600 | $63,270 | 25.5% |
| Town of Newstead | $772 | $235,500 | $71,200 | 20.3% |
| Town of Franklin (Delaware County) | $803 | $210,600 | $64,323 | 17.0% |
| Town of Urbana | $797 | $224,800 | $76,845 | 17.7% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across New York.
HUD Fair Market Rent for the Town of Indian Lake, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $968 | $982 | $1,287 | $1,542 | $1,703 |
HUD income limits for the Town of Indian Lake, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $19,800 | $33,000 | $52,750 |
| 2 people | $22,600 | $37,700 | $60,300 |
| 3 people | $27,320 | $42,400 | $67,850 |
| 4 people | $33,000 | $47,100 | $75,350 |
| 5 people | $38,680 | $50,900 | $81,400 |
| 6 people | $44,360 | $54,650 | $87,450 |
| 7 people | $50,040 | $58,450 | $93,450 |
| 8 people | $55,720 | $62,200 | $99,500 |
These are the limits HUD sets for its housing programs in the Hamilton County, NY, where HUD’s median family income for fiscal year 2026 is $94,200.
A program can use its own limits; tax-credit and local programs often do.
A New York town includes the villages and hamlets inside it, so the figures for the Town of Indian Lake include them.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
What you can do on Seayora in Town of Indian Lake
One account for renting, owning, managing and fixing homes, with these figures beside you.
Own or manage a rental?
List it, sign the lease and collect rent online, with the figures for Town of Indian Lake beside you.
Create a landlord account · See what landlords get
Looking for a place to rent?
Browse homes for rent near Town of Indian Lake, save the ones you like and apply online.
Browse rentals · Create a renter account
Do repairs, renovations or maintenance?
Get found by owners and renters near Town of Indian Lake, and send estimates and invoices from your phone.
Questions about Town of Indian Lake
What is the average rent in the Town of Indian Lake, NY?
The Census Bureau publishes the median rather than the average: the median gross rent in the Town of Indian Lake is $825 (±$194) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
Are renters in the Town of Indian Lake rent-burdened?
58.9% of renting households in the Town of Indian Lake pay 30% or more of their income in gross rent, the share housing researchers usually call rent-burdened (2020–2024 American Community Survey).
How many renters are there in the Town of Indian Lake?
The Town of Indian Lake has an estimated 134 (±47) renting households, 20.2% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in the Town of Indian Lake?
The median household income in the Town of Indian Lake is $62,824 (±$16,666) a year (2020–2024 American Community Survey).
What is the average home value in the Town of Indian Lake, NY?
The Census Bureau publishes the median: $254,800 (±$32,007) for owner-occupied homes in the Town of Indian Lake (2020–2024 American Community Survey).
What is the average mortgage payment in the Town of Indian Lake?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Town of Indian Lake, NY is $1,328 (±$186) a month, including taxes, insurance and utilities.
Is the Town of Indian Lake growing?
In the Town of Indian Lake, the number of residents went from 962 in 2015–2019 to 1,268 in 2020–2024 (+31.8%), not a measurable change.
What ZIP codes are in the Town of Indian Lake?
The ZIP codes that cover the Town of Indian Lake are 12812, 12842, 12864.
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Indian Lake town, Hamilton County, New York
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Indian Lake town, Hamilton County, New York
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Indian Lake town, Hamilton County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Indian Lake town, Hamilton County, New York
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Indian Lake town, Hamilton County, New York
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Indian Lake town, Hamilton County, New York
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Indian Lake town, Hamilton County, New York
- HUD Fair Market Rents, fiscal year 2027: Hamilton County, NY
- HUD Income Limits, fiscal year 2026: Hamilton County, NY
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Indian Lake town, Hamilton County, New York (county subdivision:37374, in state:36 county:041).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .