Stillwater, NY—12170
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Stillwater, NY
As of Oct '25, the median home price in Stillwater, NY is $383,000, with a year-over-year change of 2.2%. This indicates that home prices in Stillwater, NY are increasing. According to Zillow, the 1-year price projection is 1.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $383,000 | 2.2% |
| Single Family | $383,000 | 1.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $285,000 | 1.1% |
3 Bed | $381,000 | 2.4% |
4 Bed | $487,000 | 1.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Stillwater, NY
As of July '25, Rentcast reports the average rent in Stillwater, NY is $2,310, with a year-over-year rent change of -28.3%. Per bedroom, the median rent as of July '25 in Stillwater, NY is 1-bedrooms: $2,220, 2-bedrooms: $2,730, 3-bedrooms: $2,350, 4-bedrooms: $1,690. The most common rental property sizes in Stillwater, NY are 2-bedroom and 3-bedroom, accounting for 49.3% and 25.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,350 | $2,310 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,200 | $2,220 |
| 2 Bed Rent | $2,660 | $2,730 |
| 3 Bed Rent | $2,350 | $2,350 |
| 4 Bed Rent | $1,690 | $1,690 |
% of Rental Stock
Property Listings — Stillwater, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Stillwater, NY is 52. This is a increase of 10.0% 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 14.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $687,000 | 22.0% |
Listing Count | 28 | 21.0% |
| Listings as % of Homes | 1.3% | 21.0% |
Days on Market | 52 | 10.0% |
Demographics — Stillwater, NY
As of the latest ACS Survey released in 2023, Stillwater, NY has a population of 5,220, which has increased by 3.2% over the past 5 years. Stillwater, NY is a moderately popular place for families, as children make up 20.3% of the population. The area has a poorly educated workforce, with 24.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,220 | 3.2% |
% Under 18 | 20.3% | -6.0% |
% Seniors | 13.6% | -4.9% |
% WFH | 10.4% | 85.7% |
% w/ College Degree | 24.0% | 15.9% |
As of the latest ACS Survey released in 2023, Stillwater, NY is a predominantly white area, with 88.2% of the population identifying as white. The white population has shrunk by 6.9% in the last 5 years. The second most common race or ethnicity in Stillwater, NY is hispanic, making up 8.6% of the population. Foreign-born residents account for 3.4% of the population in Stillwater, NY, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 88.2% | -6.9% |
% Black | 1.3% | 62.5% |
% Hispanic | 8.6% | 218.5% |
% Asian | 0.2% | -33.3% |
% Foreign Born | 3.4% | 0.0% |
Mortgage and Risk — Stillwater, NY
According to HUD data as of 2023, there were 98 mortgage originations in Stillwater, NY, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 50.0%, with 15.0% above 90% LTV (elevated). This implies medium mortgage risk in Stillwater, 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 | 98 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 0.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Stillwater, NY
As of 2024, the percent of homes in Stillwater, NY under the Section 8 program is 11.4%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Stillwater, NY, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom and 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 46 |
Total Units Section 8 | 46 |
% Rentals under Section 8 | 11.4% |
% Occupied Section 8 | 72.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$860 | $2,200 | $1,340 |
| 2 Bedroom | -$1,040 | $2,660 | $1,620 |
| 3 Bedroom | -$400 | $2,350 | $1,950 |
| 4 Bedroom | $460 | $1,690 | $2,150 |
Affordability — Stillwater, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $383,000 |
| Median Household Income | $100,000 |