Napanoch, NY—12458
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Napanoch, NY
As of Oct '25, the median home price in Napanoch, NY is $276,000, with a year-over-year change of 1.4%. This indicates that home prices in Napanoch, NY are increasing. According to Zillow, the 1-year price projection is 4.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $276,000 | 1.4% |
| Single Family | $276,000 | 1.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $230,000 | -0.4% |
3 Bed | $285,000 | 1.1% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Napanoch, NY
Napanoch, 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 — Napanoch, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Napanoch, NY is 73. This is a increase of 75.0% 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 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $419,000 | 92.0% |
Listing Count | 20 | 112.0% |
| Listings as % of Homes | 1.2% | 112.0% |
Days on Market | 73 | 75.0% |
Demographics — Napanoch, NY
As of the latest ACS Survey released in 2023, Napanoch, NY has a population of 3,200, which has increased by 13.9% over the past 5 years. Napanoch, NY is a less popular place for families, as children make up 5.8% of the population. The area has a poorly educated workforce, with 9.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,200 | 13.9% |
% Under 18 | 5.8% | -49.1% |
% Seniors | 19.7% | 8.2% |
% WFH | 5.6% | 86.7% |
% w/ College Degree | 9.4% | -38.6% |
As of the latest ACS Survey released in 2023, Napanoch, NY is a predominantly white area, with 54.9% of the population identifying as white. The white population has shrunk by 9.7% in the last 5 years. The second most common race or ethnicity in Napanoch, NY is hispanic, making up 22.1% of the population. Foreign-born residents account for 9.6% of the population in Napanoch, NY, and this percentage has increased by 3.2% 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 | 54.9% | -9.7% |
% Black | 21.3% | 55.5% |
% Hispanic | 22.1% | 2.3% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 9.6% | 3.2% |
Mortgage and Risk — Napanoch, NY
According to HUD data as of 2023, there were 59 mortgage originations in Napanoch, NY, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 17.0% above 90% LTV (elevated). This implies medium mortgage risk in Napanoch, NY. Investor activity is low, as 2.0% of loans were by investors. 22.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 59 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 2.0% |
% Second Loans | 12.0% |
% Cash Out Refinance | 22.0% |
Loan Activity
Rentals and Section 8 — Napanoch, NY
Napanoch, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 22 |
Total Units Section 8 | 22 |
% Rentals under Section 8 | 16.5% |
% Occupied Section 8 | 85.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,340 |
| 2 Bedroom | N/A | N/A | $1,750 |
| 3 Bedroom | N/A | N/A | $2,220 |
| 4 Bedroom | N/A | N/A | $2,410 |
Affordability — Napanoch, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $276,000 |
| Median Household Income | $65,500 |