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Montgomery, NY—12549

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$501,000
5.3% YoY Growth
Household Income
$125,000
36.8% YoY Growth
Days on Market
27
5.0% Longer YoY
Home Price Forecast
N/A
Median Rent
$2,400
7.0% YoY Growth
1-Bed Rent
N/A
N/A
2-Bed Rent
$1,880
11.9% YoY Growth
3-Bed Rent
$2,400
0.8% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Montgomery, NY

Montgomery, NY lacks sufficient home price data for analysis.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$501,0005.3%
Single Family $505,0005.6%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
N/AN/A
  • Affordability
  • Rentals and Section 8
    • 2 Bed
    $331,000
    3.4%
    3 Bed
    		$459,0005.3%
    4 Bed
    		$612,0005.7%
    5 Bed $612,4155.6%
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    % of Housing Stock

    Studio
    0.2%
    1 Bedroom
    9.5%
    2 Bedrooms
    16.2%
    3 Bedrooms
    45.9%
    4 Bedrooms
    24.7%
    5+ Bedrooms
    3.4%

    Rental Trends — Montgomery, NY

    As of July '25, Rentcast reports the average rent in Montgomery, NY is $2,530, with a year-over-year rent change of -7.0%. Per bedroom, the median rent as of July '25 in Montgomery, NY is 2-bedrooms: $1,990, 3-bedrooms: $2,500, 4-bedrooms: $3,800. The most common rental property sizes in Montgomery, NY are 1-bedroom and 3-bedroom, accounting for 35.0% and 33.2% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$2,400$2,530
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent $1,880$1,990
    3 Bed Rent $2,400$2,500
    4 Bed Rent $3,800$3,800
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    % of Rental Stock

    Studio
    1.1%
    1 Bedroom
    35.0%
    2 Bedrooms
    25.2%
    3 Bedrooms
    33.2%
    4 Bedrooms
    3.7%
    5+ Bedrooms
    1.8%

    Property Listings — Montgomery, NY

    As of May '26, Realtor.com reports that the median days on market for a home in Montgomery, NY is 27. This is a increase of 5.0% 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.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$540,000-23.0%
    Listing Count
    		32-40.0%
    Listings as % of Homes0.5%-40.0%
    Days on Market
    		275.0%
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    Demographics — Montgomery, NY

    As of the latest ACS Survey released in 2023, Montgomery, NY has a population of 10,900, which has decreased by -3.0% over the past 5 years. Montgomery, NY is a moderately popular place for families, as children make up 24.3% of the population. The area has a moderately educated workforce, with 34.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.3% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		10,900-3.0%
    % Under 18
    		24.3%5.7%
    % Seniors
    		14.2%1.4%
    % WFH
    		8.3%38.3%
    % w/ College Degree
    		34.7%10.5%
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    As of the latest ACS Survey released in 2023, Montgomery, NY is a predominantly white area, with 62.5% of the population identifying as white. The white population has shrunk by 24.2% in the last 5 years. The second most common race or ethnicity in Montgomery, NY is hispanic, making up 23.0% of the population. Foreign-born residents account for 7.7% of the population in Montgomery, NY, and this percentage has increased by 140.6% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		62.5%-24.2%
    % Black
    		10.9%289.3%
    % Hispanic
    		23.0%109.1%
    % Asian
    		0.2%-88.9%
    % Foreign Born
    		7.7%140.6%
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    Mortgage and Risk — Montgomery, NY

    According to HUD data as of 2023, there were 244 mortgage originations in Montgomery, NY, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 53.0%, with 18.0% above 90% LTV (elevated). This implies medium mortgage risk in Montgomery, NY. Investor activity is low, as 2.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		244
    % Conventional Loans
    		89.0%
    % Government Loans
    		11.0%
    % Investor Loans
    		2.0%
    % Second Loans
    		1.0%
    % Cash Out Refinance
    		11.0%
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    Rentals and Section 8 — Montgomery, NY

    Montgomery, NY lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		9
    Total Units Section 8
    		9
    % Rentals under Section 8
    		1.9%
    % Occupied Section 8
    		N/A

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$1,560
    2 Bedroom$110$1,880$1,990
    3 Bedroom$140$2,400$2,540
    4 Bedroom-$1,050$3,800$2,750

    Affordability — Montgomery, NY

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.3
    Median Home Price$501,000
    Median Household Income$125,000

    Montgomery, NY — ZIP Code Boundary Map

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    Nearby ZIP Codes

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    12543

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    10916

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    10941

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    12586

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    Frequently Asked Questions