Schaghticoke, NY—12154
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Schaghticoke, NY
As of Oct '25, the median home price in Schaghticoke, NY is $338,000, with a year-over-year change of 2.5%. This indicates that home prices in Schaghticoke, NY are increasing. According to Zillow, the 1-year price projection is 2.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $338,000 | 2.5% |
| Single Family | $338,000 | 3.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $259,000 | 2.0% |
3 Bed | $351,000 | 4.2% |
4 Bed | $381,000 | 4.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Schaghticoke, NY
As of July '25, Rentcast reports the average rent in Schaghticoke, NY is $995, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Schaghticoke, NY is 2-bedrooms: $995. The most common rental property sizes in Schaghticoke, NY are 1-bedroom and 2-bedroom, accounting for 40.2% and 31.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $995 | $995 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $995 | $995 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Schaghticoke, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Schaghticoke, NY is 43. This is a decrease of -57.0% 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 | $190,000 | -13.0% |
Listing Count | 6 | -39.0% |
| Listings as % of Homes | 0.5% | -39.0% |
Days on Market | 43 | -57.0% |
Demographics — Schaghticoke, NY
As of the latest ACS Survey released in 2023, Schaghticoke, NY has a population of 2,880, which has increased by 2.4% over the past 5 years. Schaghticoke, NY is a less popular place for families, as children make up 13.5% of the population. The area has a moderately educated workforce, with 28.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,880 | 2.4% |
% Under 18 | 13.5% | -26.6% |
% Seniors | 24.1% | 52.5% |
% WFH | 7.3% | 32.7% |
% w/ College Degree | 28.4% | 25.1% |
As of the latest ACS Survey released in 2023, Schaghticoke, NY is a predominantly white area, with 97.6% of the population identifying as white. The white population has grown by 1.6% in the last 5 years. The second most common race or ethnicity in Schaghticoke, NY is black, making up 0.3% of the population. Foreign-born residents account for 1.2% of the population in Schaghticoke, NY, and this percentage has increased by 9.1% 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 | 97.6% | 1.6% |
% Black | 0.3% | ∞% |
% Hispanic | 0.3% | -70.0% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 1.2% | 9.1% |
Mortgage and Risk — Schaghticoke, NY
According to HUD data as of 2023, there were 86 mortgage originations in Schaghticoke, NY, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 24.0% above 90% LTV (very high). This implies large mortgage risk in Schaghticoke, 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 | 86 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Schaghticoke, NY
Schaghticoke, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,050 |
| 2 Bedroom | $285 | $995 | $1,280 |
| 3 Bedroom | N/A | N/A | $1,570 |
| 4 Bedroom | N/A | N/A | $1,700 |
Affordability — Schaghticoke, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.7 |
| Median Home Price | $338,000 |
| Median Household Income | $110,000 |