Cobleskill, NY—12043
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cobleskill, NY
As of Oct '25, the median home price in Cobleskill, NY is $245,000, with a year-over-year change of 5.1%. This indicates that home prices in Cobleskill, NY are increasing. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $245,000 | 5.1% |
| Single Family | $246,000 | 4.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $199,000 | 4.2% |
3 Bed | $244,000 | 3.8% |
4 Bed | $272,000 | 5.4% |
| 5 Bed | $308,000 | 8.1% |
% of Housing Stock
Rental Trends — Cobleskill, NY
As of July '25, Rentcast reports the average rent in Cobleskill, NY is $948, with a year-over-year rent change of -4.0%. Per bedroom, the median rent as of July '25 in Cobleskill, NY is 1-bedrooms: $895, 2-bedrooms: $1,000. The most common rental property sizes in Cobleskill, NY are 2-bedroom and 1-bedroom, accounting for 50.5% and 18.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $895 | $948 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $895 | $895 |
| 2 Bed Rent | $1,000 | $1,000 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cobleskill, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Cobleskill, NY is 93. This is a increase of 7.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $326,000 | 13.0% |
Listing Count | 24 | -26.0% |
| Listings as % of Homes | 0.6% | -26.0% |
Days on Market | 93 | 7.0% |
Demographics — Cobleskill, NY
As of the latest ACS Survey released in 2023, Cobleskill, NY has a population of 7,880, which has decreased by -3.5% over the past 5 years. Cobleskill, NY is a moderately popular place for families, as children make up 16.4% of the population. The area has a moderately educated workforce, with 27.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,880 | -3.5% |
% Under 18 | 16.4% | -7.9% |
% Seniors | 21.3% | 31.5% |
% WFH | 11.0% | 233.3% |
% w/ College Degree | 27.7% | -3.1% |
As of the latest ACS Survey released in 2023, Cobleskill, NY is a predominantly white area, with 84.9% of the population identifying as white. The white population has shrunk by 6.2% in the last 5 years. The second most common race or ethnicity in Cobleskill, NY is hispanic, making up 4.6% of the population. Foreign-born residents account for 3.1% of the population in Cobleskill, NY, and this percentage has increased by 34.8% 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 | 84.9% | -6.2% |
% Black | 2.7% | -34.1% |
% Hispanic | 4.6% | 21.1% |
% Asian | 1.7% | 325.0% |
% Foreign Born | 3.1% | 34.8% |
Mortgage and Risk — Cobleskill, NY
According to HUD data as of 2023, there were 155 mortgage originations in Cobleskill, NY, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 25.0% above 90% LTV (very high). This implies large mortgage risk in Cobleskill, NY. Investor activity is low, as 4.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 155 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 4.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Cobleskill, NY
Cobleskill, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 139 |
Total Units Section 8 | 139 |
% Rentals under Section 8 | 14.4% |
% Occupied Section 8 | 97.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $125 | $895 | $1,020 |
| 2 Bedroom | $240 | $1,000 | $1,240 |
| 3 Bedroom | N/A | N/A | $1,500 |
| 4 Bedroom | N/A | N/A | $1,650 |
Affordability — Cobleskill, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.8 |
| Median Home Price | $245,000 |
| Median Household Income | $73,000 |