Liverpool, NY—13088
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Liverpool, NY
Home Price Trends — Liverpool, NY
As of Oct '25, the median home price in Liverpool, NY is $254,000, with a year-over-year change of 6.3%. This indicates that home prices in Liverpool, NY are increasing. According to Zillow, the 1-year price projection is 2.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $254,000 | 6.3% |
| Single Family | $254,000 | 5.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $218,000 | 6.3% |
3 Bed | $244,000 | 6.1% |
4 Bed | $304,000 | 7.0% |
| 5 Bed | $336,000 | 6.0% |
% of Housing Stock
Rental Trends — Liverpool, NY
As of July '25, Rentcast reports the average rent in Liverpool, NY is $2,030, with a year-over-year rent change of 6.3%. Per bedroom, the median rent as of July '25 in Liverpool, NY is 1-bedrooms: $1,470, 2-bedrooms: $1,380, 3-bedrooms: $2,510, 4-bedrooms: $3,150. The most common rental property sizes in Liverpool, NY are 1-bedroom and 2-bedroom, accounting for 43.1% and 39.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,200 | $2,030 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,180 | $1,470 |
| 2 Bed Rent | $1,320 | $1,380 |
| 3 Bed Rent | $2,500 | $2,510 |
| 4 Bed Rent | $3,000 | $3,150 |
% of Rental Stock
Property Listings — Liverpool, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Liverpool, NY is 33. This is a increase of 76.0% 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 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $252,000 | 13.0% |
Listing Count | 60 | 2.0% |
| Listings as % of Homes | 0.4% | 2.0% |
Days on Market | 33 | 76.0% |
Demographics — Liverpool, NY
As of the latest ACS Survey released in 2023, Liverpool, NY has a population of 21,900, which has remained stable by -0.5% over the past 5 years. Liverpool, NY is a moderately popular place for families, as children make up 17.1% of the population. The area has a moderately educated workforce, with 34.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 21,900 | -0.5% |
% Under 18 | 17.1% | -1.2% |
% Seniors | 21.7% | -2.3% |
% WFH | 11.1% | 344.0% |
% w/ College Degree | 34.8% | 5.5% |
As of the latest ACS Survey released in 2023, Liverpool, NY is a predominantly white area, with 84.5% of the population identifying as white. The white population has shrunk by 4.3% in the last 5 years. The second most common race or ethnicity in Liverpool, NY is hispanic, making up 5.2% of the population. Foreign-born residents account for 7.9% of the population in Liverpool, NY, and this percentage has increased by 6.8% 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 | 84.5% | -4.3% |
% Black | 3.2% | -3.0% |
% Hispanic | 5.2% | 85.7% |
% Asian | 4.4% | 76.0% |
% Foreign Born | 7.9% | 6.8% |
Mortgage and Risk — Liverpool, NY
According to HUD data as of 2023, there were 364 mortgage originations in Liverpool, NY, of which 87.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 24.0% above 90% LTV (very high). This implies large mortgage risk in Liverpool, NY. Investor activity is low, as 4.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 364 |
% Conventional Loans | 87.0% |
% Government Loans | 13.0% |
% Investor Loans | 4.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Liverpool, NY
As of 2024, the percent of homes in Liverpool, NY under the Section 8 program is 1.6%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Liverpool, NY, because HUD payments exceed market rent, while 1-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 81 |
Total Units Section 8 | 77 |
% Rentals under Section 8 | 1.6% |
% Occupied Section 8 | 81.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$20 | $1,180 | $1,160 |
| 2 Bedroom | $110 | $1,320 | $1,430 |
| 3 Bedroom | -$750 | $2,500 | $1,750 |
| 4 Bedroom | -$1,030 | $3,000 | $1,970 |
Affordability — Liverpool, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.7 |
| Median Home Price | $254,000 |
| Median Household Income | $73,800 |