Gouverneur, NY—13642
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Gouverneur, NY
As of Oct '25, the median home price in Gouverneur, NY is $129,000, with a year-over-year change of 2.2%. This indicates that home prices in Gouverneur, NY are increasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $129,000 | 2.2% |
| Single Family | $129,000 | 3.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $114,000 | 2.7% |
3 Bed | $132,000 | 3.1% |
4 Bed | $130,000 | 2.4% |
| 5 Bed | $168,000 | 5.0% |
% of Housing Stock
Rental Trends — Gouverneur, NY
As of July '25, Rentcast reports the average rent in Gouverneur, NY is $917, with a year-over-year rent change of -0.9%. Per bedroom, the median rent as of July '25 in Gouverneur, NY is 1-bedrooms: $725, 2-bedrooms: $918, 3-bedrooms: $1,300. The most common rental property sizes in Gouverneur, NY are 2-bedroom and 1-bedroom, accounting for 42.8% and 31.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $750 | $917 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $700 | $725 |
| 2 Bed Rent | $750 | $918 |
| 3 Bed Rent | $1,300 | $1,300 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Gouverneur, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Gouverneur, NY is 89. This is a decrease of -11.0% 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 | $169,000 | -1.0% |
Listing Count | 50 | 40.0% |
| Listings as % of Homes | 0.6% | 40.0% |
Days on Market | 89 | -11.0% |
Demographics — Gouverneur, NY
As of the latest ACS Survey released in 2023, Gouverneur, NY has a population of 9,020, which has decreased by -8.6% over the past 5 years. Gouverneur, NY is a moderately popular place for families, as children make up 21.1% of the population. The area has a poorly educated workforce, with 19.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 9,020 | -8.6% |
% Under 18 | 21.1% | 14.1% |
% Seniors | 18.5% | 29.4% |
% WFH | 2.0% | -23.1% |
% w/ College Degree | 19.5% | 66.7% |
As of the latest ACS Survey released in 2023, Gouverneur, NY is a predominantly white area, with 85.6% of the population identifying as white. The white population has shrunk by 3.9% in the last 5 years. The second most common race or ethnicity in Gouverneur, NY is hispanic, making up 6.1% of the population. Foreign-born residents account for 2.9% of the population in Gouverneur, NY, and this percentage has decreased by 3.3% 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 | 85.6% | -3.9% |
% Black | 4.1% | -29.3% |
% Hispanic | 6.1% | 69.4% |
% Asian | 0.1% | -75.0% |
% Foreign Born | 2.9% | -3.3% |
Mortgage and Risk — Gouverneur, NY
According to HUD data as of 2023, there were 138 mortgage originations in Gouverneur, NY, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 25.0% above 90% LTV (very high). This implies large mortgage risk in Gouverneur, NY. Investor activity is low, as 1.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 138 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 1.0% |
% Second Loans | 4.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Gouverneur, NY
Gouverneur, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 172 |
Total Units Section 8 | 172 |
% Rentals under Section 8 | 15.3% |
% Occupied Section 8 | 90.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $240 | $700 | $940 |
| 2 Bedroom | $480 | $750 | $1,230 |
| 3 Bedroom | $360 | $1,300 | $1,660 |
| 4 Bedroom | N/A | N/A | $2,010 |
Affordability — Gouverneur, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $129,000 |
| Median Household Income | $47,500 |