Whitehall, NY—12887
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Whitehall, NY
Home Price Trends — Whitehall, NY
As of Oct '25, the median home price in Whitehall, NY is $155,000, with a year-over-year change of -2.2%. This indicates that home prices in Whitehall, NY are decreasing. According to Zillow, the 1-year price projection is 0.8%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $155,000 | -2.2% |
| Single Family | $156,000 | -2.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $141,000 | -2.8% |
3 Bed | $164,000 | -3.0% |
4 Bed | $180,000 | -1.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Whitehall, NY
As of July '25, Rentcast reports the average rent in Whitehall, NY is $1,090, with a year-over-year rent change of 26.2%. Per bedroom, the median rent as of July '25 in Whitehall, NY is 3-bedrooms: $1,090. The most common rental property sizes in Whitehall, NY are 2-bedroom and 3-bedroom, accounting for 39.6% and 37.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,090 | $1,090 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,090 | $1,090 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Whitehall, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Whitehall, NY is 106. 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 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $213,000 | 18.0% |
Listing Count | 24 | 24.0% |
| Listings as % of Homes | 1.2% | 24.0% |
Days on Market | 106 | 9.0% |
Demographics — Whitehall, NY
As of the latest ACS Survey released in 2023, Whitehall, NY has a population of 4,630, which has decreased by -5.9% over the past 5 years. Whitehall, NY is a popular place for families, as children make up 25.1% of the population. The area has a poorly educated workforce, with 15.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 1.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,630 | -5.9% |
% Under 18 | 25.1% | 4.1% |
% Seniors | 18.8% | 28.8% |
% WFH | 1.1% | -67.6% |
% w/ College Degree | 15.6% | 64.2% |
As of the latest ACS Survey released in 2023, Whitehall, NY is a predominantly white area, with 88.2% of the population identifying as white. The white population has shrunk by 10.5% in the last 5 years. The second most common race or ethnicity in Whitehall, NY is hispanic, making up 2.6% of the population. Foreign-born residents account for 1.9% of the population in Whitehall, NY, and this percentage has increased by 46.2% 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 | 88.2% | -10.5% |
% Black | 0.5% | ∞% |
% Hispanic | 2.6% | 225.0% |
% Asian | 0.1% | ∞% |
% Foreign Born | 1.9% | 46.2% |
Mortgage and Risk — Whitehall, NY
According to HUD data as of 2023, there were 66 mortgage originations in Whitehall, NY, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 38.0% above 90% LTV (very high). This implies large mortgage risk in Whitehall, NY. Investor activity is low, as 2.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 66 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 2.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Whitehall, NY
Whitehall, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 75 |
Total Units Section 8 | 75 |
% Rentals under Section 8 | 15.0% |
% Occupied Section 8 | 96.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $980 |
| 2 Bedroom | N/A | N/A | $1,230 |
| 3 Bedroom | $500 | $1,090 | $1,590 |
| 4 Bedroom | N/A | N/A | $1,630 |
Affordability — Whitehall, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.5 |
| Median Home Price | $155,000 |
| Median Household Income | $55,400 |