Stephentown, NY—12168
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Stephentown, NY
Home Price Trends — Stephentown, NY
As of Oct '25, the median home price in Stephentown, NY is $309,000, with a year-over-year change of 3.5%. This indicates that home prices in Stephentown, 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 | $309,000 | 3.5% |
| Single Family | $309,000 | 3.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $253,000 | 2.8% |
3 Bed | $316,000 | 3.3% |
4 Bed | $365,000 | 4.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Stephentown, NY
Stephentown, 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 — Stephentown, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Stephentown, NY is 42. This is a increase of 45.0% 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 | $362,000 | 39.0% |
Listing Count | 8 | -21.0% |
| Listings as % of Homes | 1.5% | -21.0% |
Days on Market | 42 | 45.0% |
Demographics — Stephentown, NY
As of the latest ACS Survey released in 2023, Stephentown, NY has a population of 1,690, which has decreased by -17.6% over the past 5 years. Stephentown, NY is a moderately popular place for families, as children make up 15.7% of the population. The area has a moderately educated workforce, with 32.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,690 | -17.6% |
% Under 18 | 15.7% | -12.8% |
% Seniors | 19.6% | -19.7% |
% WFH | 4.6% | -25.8% |
% w/ College Degree | 32.9% | 17.1% |
As of the latest ACS Survey released in 2023, Stephentown, NY is a predominantly white area, with 90.1% of the population identifying as white. The white population has shrunk by 9.9% in the last 5 years. The second most common race or ethnicity in Stephentown, NY is hispanic, making up 2.9% of the population. Foreign-born residents account for 1.5% of the population in Stephentown, NY, and this percentage has increased by 275.0% 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 | 90.1% | -9.9% |
% Black | 1.8% | ∞% |
% Hispanic | 2.9% | ∞% |
% Asian | 0.0% | N/A |
% Foreign Born | 1.5% | 275.0% |
Mortgage and Risk — Stephentown, NY
According to HUD data as of 2023, there were 47 mortgage originations in Stephentown, NY, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 26.0% above 90% LTV (very high). This implies large mortgage risk in Stephentown, NY. Investor activity is low, as 0.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 47 |
% Conventional Loans | 89.0% |
% Government Loans | 11.0% |
% Investor Loans | 0.0% |
% Second Loans | 6.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Stephentown, NY
Stephentown, 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 | $1,040 |
| 2 Bedroom | N/A | N/A | $1,260 |
| 3 Bedroom | N/A | N/A | $1,520 |
| 4 Bedroom | N/A | N/A | $1,670 |
Affordability — Stephentown, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $309,000 |
| Median Household Income | $86,000 |