Kirkwood, NY—13795
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Kirkwood, NY
As of Oct '25, the median home price in Kirkwood, NY is $174,000, with a year-over-year change of 1.9%. This indicates that home prices in Kirkwood, NY are increasing. According to Zillow, the 1-year price projection is 1.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $174,000 | 1.9% |
| Single Family | $174,000 | 1.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $129,000 | 0.0% |
3 Bed | $176,000 | 0.6% |
4 Bed | $227,000 | 2.7% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Kirkwood, NY
Kirkwood, 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 — Kirkwood, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Kirkwood, NY is 33. This is a decrease of -13.0% 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 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $207,000 | -16.0% |
Listing Count | 8 | 0.0% |
| Listings as % of Homes | 0.5% | 0.0% |
Days on Market | 33 | -13.0% |
Demographics — Kirkwood, NY
As of the latest ACS Survey released in 2023, Kirkwood, NY has a population of 3,180, which has decreased by -7.1% over the past 5 years. Kirkwood, NY is a moderately popular place for families, as children make up 19.4% of the population. The area has a poorly educated workforce, with 12.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 1.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,180 | -7.1% |
% Under 18 | 19.4% | -0.5% |
% Seniors | 26.5% | 25.0% |
% WFH | 1.8% | 80.0% |
% w/ College Degree | 12.6% | -43.2% |
As of the latest ACS Survey released in 2023, Kirkwood, NY is a predominantly white area, with 76.0% of the population identifying as white. The white population has shrunk by 16.1% in the last 5 years. The second most common race or ethnicity in Kirkwood, NY is hispanic, making up 14.1% of the population. Foreign-born residents account for 7.9% of the population in Kirkwood, NY, and this percentage has increased by 154.8% 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 | 76.0% | -16.1% |
% Black | 4.0% | -25.9% |
% Hispanic | 14.1% | 64.0% |
% Asian | 2.8% | ∞% |
% Foreign Born | 7.9% | 154.8% |
Mortgage and Risk — Kirkwood, NY
According to HUD data as of 2023, there were 67 mortgage originations in Kirkwood, NY, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Kirkwood, NY. Investor activity is low, as 1.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 67 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Kirkwood, NY
Kirkwood, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 8 |
Total Units Section 8 | 8 |
% Rentals under Section 8 | 2.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $960 |
| 2 Bedroom | N/A | N/A | $1,220 |
| 3 Bedroom | N/A | N/A | $1,570 |
| 4 Bedroom | N/A | N/A | $1,800 |
Affordability — Kirkwood, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $174,000 |
| Median Household Income | $56,800 |