Gardiner, NY—12525
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Gardiner, NY
As of Oct '25, the median home price in Gardiner, NY is $533,000, with a year-over-year change of 0.9%. This indicates that home prices in Gardiner, NY are flat. According to Zillow, the 1-year price projection is 4.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $533,000 | 0.9% |
| Single Family | $533,000 | 0.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $410,000 | -1.4% |
3 Bed | $540,000 | 0.6% |
4 Bed | $656,000 | 1.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Gardiner, NY
As of July '25, Rentcast reports the average rent in Gardiner, NY is $2,500, with a year-over-year rent change of -3.1%. Per bedroom, the median rent as of July '25 in Gardiner, NY is 2-bedrooms: $2,500, 3-bedrooms: $2,500. The most common rental property sizes in Gardiner, NY are 1-bedroom and 4-bedroom, accounting for 37.6% and 33.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,500 | $2,500 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $2,500 | $2,500 |
| 3 Bed Rent | $2,500 | $2,500 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Gardiner, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Gardiner, NY is 94. This is a increase of 9.0% 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 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,900,000 | 1.0% |
Listing Count | 16 | 7.0% |
| Listings as % of Homes | 1.2% | 7.0% |
Days on Market | 94 | 9.0% |
Demographics — Gardiner, NY
As of the latest ACS Survey released in 2023, Gardiner, NY has a population of 1,710, which has decreased by -40.2% over the past 5 years. Gardiner, NY is a moderately popular place for families, as children make up 25.0% 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 some residents working remotely, with 12.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,710 | -40.2% |
% Under 18 | 25.0% | 7.3% |
% Seniors | 15.0% | 12.8% |
% WFH | 12.9% | 19.4% |
% w/ College Degree | 32.9% | -22.0% |
As of the latest ACS Survey released in 2023, Gardiner, NY is a predominantly white area, with 67.3% of the population identifying as white. The white population has shrunk by 28.9% in the last 5 years. The second most common race or ethnicity in Gardiner, NY is hispanic, making up 5.0% of the population. Foreign-born residents account for 2.8% of the population in Gardiner, NY, and this percentage has decreased by 22.2% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 67.3% | -28.9% |
% Black | 1.1% | 10.0% |
% Hispanic | 5.0% | 66.7% |
% Asian | 0.0% | N/A |
% Foreign Born | 2.8% | -22.2% |
Mortgage and Risk — Gardiner, NY
According to HUD data as of 2023, there were 98 mortgage originations in Gardiner, NY, of which 96.0% of loans were conventional mortgages. The average loan-to-value was 44.0%, with 4.0% above 90% LTV (normal). This implies small mortgage risk in Gardiner, NY. Investor activity is low, as 1.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 98 |
% Conventional Loans | 96.0% |
% Government Loans | 4.0% |
% Investor Loans | 1.0% |
% Second Loans | 8.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Gardiner, NY
Gardiner, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 6 |
Total Units Section 8 | 6 |
% Rentals under Section 8 | 2.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,430 |
| 2 Bedroom | -$620 | $2,500 | $1,880 |
| 3 Bedroom | -$120 | $2,500 | $2,380 |
| 4 Bedroom | N/A | N/A | $2,580 |
Affordability — Gardiner, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.6 |
| Median Home Price | $533,000 |
| Median Household Income | $103,000 |