Charleston, New York, NY—10309
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Charleston, New York, NY
As of Oct '25, the median home price in Charleston, New York, NY is $781,000, with a year-over-year change of 2.5%. This indicates that home prices in Charleston, New York, NY are increasing. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $781,000 | 2.5% |
| Single Family | $800,000 | 2.2% |
| Condos | $529,000 | 3.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $576,000 | 3.4% |
3 Bed | $765,000 | 2.7% |
4 Bed | $1,056,000 | 2.8% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Charleston, New York, NY
As of July '25, Rentcast reports the average rent in Charleston, New York, NY is $3,030, with a year-over-year rent change of 9.8%. Per bedroom, the median rent as of July '25 in Charleston, New York, NY is 1-bedrooms: $1,660, 2-bedrooms: $2,780, 3-bedrooms: $3,660. The most common rental property sizes in Charleston, New York, NY are 1-bedroom and 3-bedroom, accounting for 43.6% and 23.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,250 | $3,030 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,650 | $1,660 |
| 2 Bed Rent | $2,800 | $2,780 |
| 3 Bed Rent | $3,600 | $3,660 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Charleston, New York, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Charleston, New York, NY is 40. This is a decrease of -23.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 11.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $732,000 | -6.0% |
Listing Count | 112 | -3.0% |
| Listings as % of Homes | 0.5% | -3.0% |
Days on Market | 40 | -23.0% |
Demographics — Charleston, New York, NY
As of the latest ACS Survey released in 2023, Charleston, New York, NY has a population of 34,900, which has increased by 4.1% over the past 5 years. Charleston, New York, NY is a moderately popular place for families, as children make up 22.2% of the population. The area has a moderately educated workforce, with 39.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 34,900 | 4.1% |
% Under 18 | 22.2% | -0.9% |
% Seniors | 17.1% | 10.3% |
% WFH | 10.7% | 568.8% |
% w/ College Degree | 39.9% | 18.8% |
As of the latest ACS Survey released in 2023, Charleston, New York, NY is a predominantly white area, with 83.8% of the population identifying as white. The white population has shrunk by 1.4% in the last 5 years. The second most common race or ethnicity in Charleston, New York, NY is hispanic, making up 8.8% of the population. Foreign-born residents account for 17.8% of the population in Charleston, New York, NY, and this percentage has increased by 14.1% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 83.8% | -1.4% |
% Black | 0.4% | -55.6% |
% Hispanic | 8.8% | -5.4% |
% Asian | 4.0% | 11.1% |
% Foreign Born | 17.8% | 14.1% |
Mortgage and Risk — Charleston, New York, NY
According to HUD data as of 2023, there were 378 mortgage originations in Charleston, New York, NY, of which 95.0% of loans were conventional mortgages. The average loan-to-value was 49.0%, with 6.0% above 90% LTV (normal). This implies small mortgage risk in Charleston, New York, NY. Investor activity is low, as 2.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 378 |
% Conventional Loans | 95.0% |
% Government Loans | 5.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Charleston, New York, NY
Charleston, New York, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 34 |
Total Units Section 8 | 31 |
% Rentals under Section 8 | 1.5% |
% Occupied Section 8 | 87.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $1,320 | $1,650 | $2,970 |
| 2 Bedroom | $490 | $2,800 | $3,290 |
| 3 Bedroom | $500 | $3,600 | $4,100 |
| 4 Bedroom | N/A | N/A | $4,420 |
Affordability — Charleston, New York, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.9 |
| Median Home Price | $781,000 |
| Median Household Income | $124,000 |