B

Gilbertsville, NY

Source:

Affordability Score: 71/100

Population: 513 · 1 ZIP codes

The affordability dashboard for Gilbertsville, NY aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 513 residents, then layers in county-level federal data to produce an overall grade of B (71/100). The headline inputs are median household income of $80,750, median home value of $161,500, median rent of $1,219 per month, and 32.8% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,228 per month (studio $847, 1BR $965, 3BR $1,472, 4BR $1,626). Department of Labor data lists infant center-based childcare at $12,844 per year, consuming 16% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Gilbertsville, NY include housing, rent. Unemployment currently reads 1.8% and poverty 5.0% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income B-
$80,750
Median household income
Education C
32.8%
Bachelor's degree or higher
Housing A+
2.0x
Home value $161,500 vs income
Commute N/A
N/A
Average commute time
Rent A-
$1,228/mo
2BR fair market rent (18% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare D
$12,844/yr
Center-based infant care (16% of income)

Income & Employment

Median Income
$80,750
▲ 30% vs national
Per Capita Income
$43,373
Unemployment Rate
1.8%
Poverty Rate
5.0%

Housing

Median Home Value
$161,500
▼ 41% vs national
Median Rent
$1,219/mo
Owner Occupied
86.1%
2BR Fair Market Rent
$1,228/mo
▲ 2% vs national

Fair Market Rents by Bedroom

Studio
$847
1BR
$965
2BR
$1,228
3BR
$1,472
4BR
$1,626

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
32.8%
▲ 3 ppt vs national
High School+
66.8%
Median Age
45.9
Avg. Commute

Childcare Costs

Infant (Center)
$12,844/yr
16% of income
Toddler (Center)
$11,960/yr
Preschool (Center)
$10,400/yr
School-Age (Center)
$10,088/yr

What This Means

Gilbertsville, NY receives an overall affordability grade of B (71/100), aggregated from 1 ZIP codes with a total population of 513. This area performs well in housing and rent. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Gilbertsville, NY affordable?
Gilbertsville, NY receives an overall affordability grade of B (71/100) based on Census, HUD, FBI, and DOL data. Median household income is $80,750. Median home value is $161,500.
What is the cost of living in Gilbertsville?
Key cost metrics: Median rent $1,219/mo. 2BR fair market rent $1,228/mo. Infant childcare $12,844/yr. Median home value $161,500.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →