Sterling, NY—13156
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Sterling, NY
As of Oct '25, the median home price in Sterling, NY is $221,000, with a year-over-year change of 0.0%. This indicates that home prices in Sterling, NY are flat. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $221,000 | 0.0% |
| Single Family | $221,000 | 0.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $207,000 | 2.0% |
3 Bed | $240,000 | 0.0% |
4 Bed | $289,000 | 0.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Sterling, NY
Sterling, NY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 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 — Sterling, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Sterling, NY is 46. This is a decrease of -49.0% 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 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $300,000 | 39.0% |
Listing Count | 10 | 32.0% |
| Listings as % of Homes | 0.1% | 32.0% |
Days on Market | 46 | -49.0% |
Demographics — Sterling, NY
As of the latest ACS Survey released in 2023, Sterling, NY has a population of 2,110, which has increased by 11.2% over the past 5 years. Sterling, NY is a less popular place for families, as children make up 9.3% of the population. The area has a moderately educated workforce, with 27.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,110 | 11.2% |
% Under 18 | 9.3% | -55.9% |
% Seniors | 30.1% | 23.9% |
% WFH | 13.9% | 275.7% |
% w/ College Degree | 27.2% | 26.5% |
As of the latest ACS Survey released in 2023, Sterling, NY is a predominantly white area, with 92.6% of the population identifying as white. The white population has shrunk by 5.9% in the last 5 years. The second most common race or ethnicity in Sterling, NY is hispanic, making up 0.4% of the population. Foreign-born residents account for 3.7% of the population in Sterling, NY, and this percentage has increased by 516.7% 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 | 92.6% | -5.9% |
% Black | 0.0% | -100.0% |
% Hispanic | 0.4% | ∞% |
% Asian | 0.0% | N/A |
% Foreign Born | 3.7% | 516.7% |
Mortgage and Risk — Sterling, NY
According to HUD data as of 2023, there were 57 mortgage originations in Sterling, NY, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 9.0% above 90% LTV (normal). This implies small mortgage risk in Sterling, NY. Investor activity is low, as 0.0% of loans were by investors. 25.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 57 |
% Conventional Loans | 88.0% |
% Government Loans | 12.0% |
% Investor Loans | 0.0% |
% Second Loans | 30.0% |
% Cash Out Refinance | 25.0% |
Loan Activity
Rentals and Section 8 — Sterling, NY
Sterling, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | 1.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $950 |
| 2 Bedroom | N/A | N/A | $1,180 |
| 3 Bedroom | N/A | N/A | $1,430 |
| 4 Bedroom | N/A | N/A | $1,570 |
Affordability — Sterling, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $221,000 |
| Median Household Income | $70,700 |