Jefferson, NY—12093
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Jefferson, NY
As of Oct '25, the median home price in Jefferson, NY is $238,000, with a year-over-year change of 4.1%. This indicates that home prices in Jefferson, NY are increasing. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $238,000 | 4.1% |
| Single Family | $238,000 | 3.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $233,000 | 4.0% |
3 Bed | $263,000 | 3.1% |
4 Bed | $290,000 | 2.8% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Jefferson, NY
Jefferson, NY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Jefferson, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Jefferson, NY is 72. This is a decrease of -30.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $450,000 | 1.0% |
Listing Count | 15 | 2.0% |
| Listings as % of Homes | 1.0% | 2.0% |
Days on Market | 72 | -30.0% |
Demographics — Jefferson, NY
As of the latest ACS Survey released in 2023, Jefferson, NY has a population of 1,260, which has decreased by -22.9% over the past 5 years. Jefferson, NY is a less popular place for families, as children make up 12.5% of the population. The area has a moderately educated workforce, with 27.0% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 25.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,260 | -22.9% |
% Under 18 | 12.5% | -38.1% |
% Seniors | 24.2% | 22.8% |
% WFH | 25.5% | 442.6% |
% w/ College Degree | 27.0% | 23.3% |
As of the latest ACS Survey released in 2023, Jefferson, NY is a predominantly white area, with 86.9% of the population identifying as white. The white population has shrunk by 10.1% in the last 5 years. The second most common race or ethnicity in Jefferson, NY is hispanic, making up 3.3% of the population. Foreign-born residents account for 3.7% of the population in Jefferson, NY, and this percentage has increased by 42.3% 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 | 86.9% | -10.1% |
% Black | 0.0% | -100.0% |
% Hispanic | 3.3% | 37.5% |
% Asian | 1.2% | 1,100.0% |
% Foreign Born | 3.7% | 42.3% |
Mortgage and Risk — Jefferson, NY
According to HUD data as of 2023, there were 43 mortgage originations in Jefferson, NY, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 16.0% above 90% LTV (elevated). This implies medium mortgage risk in Jefferson, NY. Investor activity is low, as 0.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 43 |
% Conventional Loans | 88.0% |
% Government Loans | 12.0% |
% Investor Loans | 0.0% |
% Second Loans | 14.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Jefferson, NY
Jefferson, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | 3.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,020 |
| 2 Bedroom | N/A | N/A | $1,240 |
| 3 Bedroom | N/A | N/A | $1,500 |
| 4 Bedroom | N/A | N/A | $1,650 |
Affordability — Jefferson, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.3 |
| Median Home Price | $238,000 |
| Median Household Income | $61,200 |