Tivoli, NY—12583
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Tivoli, NY
As of Oct '25, the median home price in Tivoli, NY is $477,000, with a year-over-year change of 8.2%. This indicates that home prices in Tivoli, NY are increasing. According to Zillow, the 1-year price projection is 3.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $477,000 | 8.2% |
| Single Family | $502,000 | 8.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $352,000 | 7.3% |
3 Bed | $512,000 | 7.8% |
4 Bed | $660,000 | 10.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Tivoli, NY
As of July '25, Rentcast reports the average rent in Tivoli, NY is $3,840, with a year-over-year rent change of 8.5%. Per bedroom, the median rent as of July '25 in Tivoli, NY is 1-bedrooms: $3,600, 2-bedrooms: $4,700, 3-bedrooms: $3,000, 4-bedrooms: $3,620. The most common rental property sizes in Tivoli, NY are 3-bedroom and 1-bedroom, accounting for 32.2% and 27.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,000 | $3,840 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,400 | $3,600 |
| 2 Bed Rent | $2,400 | $4,700 |
| 3 Bed Rent | $3,000 | $3,000 |
| 4 Bed Rent | $2,750 | $3,620 |
% of Rental Stock
Property Listings — Tivoli, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Tivoli, NY is 89. This is a decrease of -7.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $489,000 | -14.0% |
Listing Count | 12 | -24.0% |
| Listings as % of Homes | 0.9% | -24.0% |
Days on Market | 89 | -7.0% |
Demographics — Tivoli, NY
As of the latest ACS Survey released in 2023, Tivoli, NY has a population of 1,930, which has decreased by -21.8% over the past 5 years. Tivoli, NY is a moderately popular place for families, as children make up 17.2% of the population. The area has a highly educated workforce, with 47.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,930 | -21.8% |
% Under 18 | 17.2% | -8.0% |
% Seniors | 21.4% | 58.5% |
% WFH | 14.5% | 10.7% |
% w/ College Degree | 47.7% | 8.2% |
As of the latest ACS Survey released in 2023, Tivoli, NY is a predominantly white area, with 85.0% of the population identifying as white. The white population has shrunk by 5.0% in the last 5 years. The second most common race or ethnicity in Tivoli, NY is hispanic, making up 9.6% of the population. Foreign-born residents account for 7.9% of the population in Tivoli, NY, and this percentage has decreased by 21.8% 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 | 85.0% | -5.0% |
% Black | 0.1% | -88.9% |
% Hispanic | 9.6% | 50.0% |
% Asian | 1.6% | -40.7% |
% Foreign Born | 7.9% | -21.8% |
Mortgage and Risk — Tivoli, NY
According to HUD data as of 2023, there were 17 mortgage originations in Tivoli, NY, of which 94.0% of loans were conventional mortgages. The average loan-to-value was 44.0%, with 12.0% above 90% LTV (elevated). This implies medium mortgage risk in Tivoli, NY. Investor activity is low, as 0.0% of loans were by investors. 29.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 17 |
% Conventional Loans | 94.0% |
% Government Loans | 6.0% |
% Investor Loans | 0.0% |
% Second Loans | 6.0% |
% Cash Out Refinance | 29.0% |
Loan Activity
Rentals and Section 8 — Tivoli, NY
Tivoli, 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 | -$680 | $2,400 | $1,720 |
| 2 Bedroom | -$280 | $2,400 | $2,120 |
| 3 Bedroom | -$350 | $3,000 | $2,650 |
| 4 Bedroom | $130 | $2,750 | $2,880 |
Affordability — Tivoli, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.6 |
| Median Home Price | $477,000 |
| Median Household Income | $69,100 |