Stony Creek, NY—12878
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Stony Creek, NY
As of Nov '25, the median home price in Stony Creek, NY is $222,000, with a year-over-year change of 6.2%. This indicates that home prices in Stony Creek, NY are increasing. According to Zillow, the 1-year price projection is 3.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $222,000 | 6.2% |
| Single Family | $222,000 | 6.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Stony Creek, NY
Stony Creek, 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 — Stony Creek, NY
As of Nov '25, Realtor.com reports that the median days on market for a home in Stony Creek, NY is 87. This is a decrease of -53.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $550,000 | 110.0% |
Listing Count | 7 | 38.0% |
| Listings as % of Homes | 1.0% | 38.0% |
Days on Market | 87 | -53.0% |
Demographics — Stony Creek, NY
As of the latest ACS Survey released in 2023, Stony Creek, NY has a population of 768, which has increased by 23.7% over the past 5 years. Stony Creek, NY is a popular place for families, as children make up 25.9% of the population. The area has a poorly educated workforce, with 10.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 768 | 23.7% |
% Under 18 | 25.9% | 57.9% |
% Seniors | 22.3% | -20.1% |
% WFH | 6.9% | -8.0% |
% w/ College Degree | 10.4% | -8.8% |
As of the latest ACS Survey released in 2023, Stony Creek, NY is a predominantly white area, with 88.4% of the population identifying as white. The white population has shrunk by 8.5% in the last 5 years. The second most common race or ethnicity in Stony Creek, NY is hispanic, making up 7.2% of the population. Foreign-born residents account for 0.5% of the population in Stony Creek, NY, and this percentage has decreased by 54.5% 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 | 88.4% | -8.5% |
% Black | 3.6% | 100.0% |
% Hispanic | 7.2% | 350.0% |
% Asian | 0.8% | 166.7% |
% Foreign Born | 0.5% | -54.5% |
Mortgage and Risk — Stony Creek, NY
According to HUD data as of 2023, there were 21 mortgage originations in Stony Creek, NY, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 78.0%, with 29.0% above 90% LTV (very high). This implies large mortgage risk in Stony Creek, NY. Investor activity is low, as 0.0% 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 | 21 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 0.0% |
% Second Loans | 29.0% |
% Cash Out Refinance | 14.0% |
Rentals and Section 8 — Stony Creek, NY
Stony Creek, 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 | 9.8% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $940 |
| 2 Bedroom | N/A | N/A | $1,180 |
| 3 Bedroom | N/A | N/A | $1,530 |
| 4 Bedroom | N/A | N/A | $1,560 |
Affordability — Stony Creek, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $222,000 |
| Median Household Income | $61,700 |