Chestertown, NY—12817
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Chestertown, NY
As of Oct '25, the median home price in Chestertown, NY is $363,000, with a year-over-year change of 1.8%. This indicates that home prices in Chestertown, NY are increasing. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $363,000 | 1.8% |
| Single Family | $373,000 | 1.6% |
| 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 | 0.7% |
3 Bed | $396,000 | 1.5% |
4 Bed | $480,000 | 2.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Chestertown, NY
Chestertown, NY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,150 | $1,150 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,150 | $1,150 |
| 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 — Chestertown, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Chestertown, NY is 50. This is a decrease of -52.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $332,000 | -7.0% |
Listing Count | 29 | 45.0% |
| Listings as % of Homes | 0.3% | 45.0% |
Days on Market | 50 | -52.0% |
Demographics — Chestertown, NY
As of the latest ACS Survey released in 2023, Chestertown, NY has a population of 2,020, which has decreased by -4.5% over the past 5 years. Chestertown, NY is a less popular place for families, as children make up 7.9% of the population. The area has a moderately educated workforce, with 43.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 16.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,020 | -4.5% |
% Under 18 | 7.9% | -36.3% |
% Seniors | 38.2% | 56.6% |
% WFH | 16.3% | 158.7% |
% w/ College Degree | 43.3% | 39.7% |
As of the latest ACS Survey released in 2023, Chestertown, NY is a predominantly white area, with 94.4% of the population identifying as white. The white population has shrunk by 4.2% in the last 5 years. The second most common race or ethnicity in Chestertown, NY is asian, making up 3.2% of the population. Foreign-born residents account for 4.8% of the population in Chestertown, NY, and this percentage has increased by Inf% 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 | 94.4% | -4.2% |
% Black | 0.0% | -100.0% |
% Hispanic | 0.0% | -100.0% |
% Asian | 3.2% | 357.1% |
% Foreign Born | 4.8% | ∞% |
Mortgage and Risk — Chestertown, NY
According to HUD data as of 2023, there were 36 mortgage originations in Chestertown, NY, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 51.0%, with 8.0% above 90% LTV (normal). This implies small mortgage risk in Chestertown, NY. Investor activity is low, as 3.0% 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 | 36 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 3.0% |
% Second Loans | 33.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Chestertown, NY
Chestertown, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 10 |
Total Units Section 8 | 10 |
% Rentals under Section 8 | 5.2% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$220 | $1,150 | $930 |
| 2 Bedroom | N/A | N/A | $1,160 |
| 3 Bedroom | N/A | N/A | $1,500 |
| 4 Bedroom | N/A | N/A | $1,540 |
Affordability — Chestertown, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $363,000 |
| Median Household Income | $90,500 |