CCertihomes
6 Gardner Street, Whitestown, NY 13492

$120,000

2 beds 2 baths 2,340 sqft Built 189711 days on marketActive

About this home

This 2-family home offers the perfect chance to build equity while enjoying the benefits of rental income. Featuring a spacious yard and a large garage, this property has great potential. While it does need some work, the possibilities are endless. Live in one unit and let the rent from the other help pay your mortgage. Don’t miss out on this smart investment in the sought-after Whitesboro School District!

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$2,281/mo

Real estate (PITI + HOA + PMI)
$1,428
Principal + interest$770
Property tax + insurance$613
PMI / 2nd mortgage$45
Utilities
$1,613
Heating + cooling$657
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,281/mo TLC
Budget$5,000/mo
Remaining after TLC$2,719/mo
Purchase price
$120,000
Down payment
$6,000 (5%)
Loan amount
$114,000
APR
7.15%

Quick facts

Type
MultiFamily
Style
Year built
1897
Lot size
0.2583 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$4,878
MLS #
S1616864
County
Oneida

At a glance

Basement
Garage (2)

Home features

Appliances
GasWaterHeater
Interior
CeilingFans
Exterior
FullyFenced
Parking
PavedTwoOrMoreSpaces
Flooring
Hardwood, Laminate, Varies
Roof
Asphalt
Sewer
Connected

Lot features

FloodZone, Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13492

MetricThis ZIPCountyUSA
Population12,24819,351,094299,088,112
Population Change Since1990-6.00%8.00%20.00%
Population Density850395
Male5,8339,381,926147,432,321
Female6,4149,969,168151,655,844
Never Married2,4694,946,39163,775,926
Married5,6657,166,701123,120,365
Separated2821,159,67312,639,686
Widowed8811,110,24515,467,586
Divorced8971,210,44823,075,029
Number Of House Hold4,8457,102,016111,826,380
Average House Hold Size2.522.642.60
Medial Age40.9236.5335.46
Median House Hold Income$47,884$49,847$48,276
Average House Hold Income$54,560$70,032$63,629
P C I$21,683$26,569$24,529
M D I$40,953$42,210$41,133
A T H E$46,292$54,185$50,898
S T R9.00%4.00%
W C J75.92%81.55%77.74%
(Zip) Code
13492

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 6/20/2025. Provided courtesy of Coldwell Banker Faith Properties via Buffalo MLS. Information deemed reliable but not guaranteed.