Fulton, NY—13069
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Fulton, NY
As of Oct '25, the median home price in Fulton, NY is $176,000, with a year-over-year change of 2.1%. This indicates that home prices in Fulton, NY are increasing. According to Zillow, the 1-year price projection is 3.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $176,000 | 2.1% |
| Single Family | $176,000 | 2.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $115,000 | -0.9% |
2 Bed | $146,000 | 2.1% |
3 Bed | $178,000 | 2.3% |
4 Bed | $204,000 | 3.0% |
| 5 Bed | $207,000 | 1.5% |
% of Housing Stock
Rental Trends — Fulton, NY
As of July '25, Rentcast reports the average rent in Fulton, NY is $1,360, with a year-over-year rent change of 8.8%. Per bedroom, the median rent as of July '25 in Fulton, NY is 1-bedrooms: $997, 2-bedrooms: $1,300, 3-bedrooms: $1,490, 4-bedrooms: $1,820. The most common rental property sizes in Fulton, NY are 2-bedroom and 1-bedroom, accounting for 41.8% and 23.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,350 | $1,360 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $995 | $997 |
| 2 Bed Rent | $1,300 | $1,300 |
| 3 Bed Rent | $1,500 | $1,490 |
| 4 Bed Rent | $1,820 | $1,820 |
% of Rental Stock
Property Listings — Fulton, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Fulton, NY is 37. This is a decrease of -3.0% 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 14.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $209,000 | 23.0% |
Listing Count | 73 | 20.0% |
| Listings as % of Homes | 0.4% | 20.0% |
Days on Market | 37 | -3.0% |
Demographics — Fulton, NY
As of the latest ACS Survey released in 2023, Fulton, NY has a population of 23,200, which has decreased by -5.4% over the past 5 years. Fulton, NY is a moderately popular place for families, as children make up 22.0% of the population. The area has a poorly educated workforce, with 18.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 23,200 | -5.4% |
% Under 18 | 22.0% | -10.2% |
% Seniors | 17.4% | 20.0% |
% WFH | 5.7% | 159.1% |
% w/ College Degree | 18.9% | 8.0% |
As of the latest ACS Survey released in 2023, Fulton, NY is a predominantly white area, with 92.7% of the population identifying as white. The white population has shrunk by 2.0% in the last 5 years. The second most common race or ethnicity in Fulton, NY is hispanic, making up 4.2% of the population. Foreign-born residents account for 1.9% of the population in Fulton, NY, and this percentage has increased by 58.3% 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 | 92.7% | -2.0% |
% Black | 0.7% | 0.0% |
% Hispanic | 4.2% | 50.0% |
% Asian | 0.1% | 0.0% |
% Foreign Born | 1.9% | 58.3% |
Mortgage and Risk — Fulton, NY
According to HUD data as of 2023, there were 454 mortgage originations in Fulton, NY, of which 85.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Fulton, NY. Investor activity is low, as 2.0% 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 | 454 |
% Conventional Loans | 85.0% |
% Government Loans | 15.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Fulton, NY
As of 2024, the percent of homes in Fulton, NY under the Section 8 program is 21.1%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Fulton, NY, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 701 |
Total Units Section 8 | 701 |
% Rentals under Section 8 | 21.1% |
% Occupied Section 8 | 89.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$35 | $995 | $960 |
| 2 Bedroom | -$120 | $1,300 | $1,180 |
| 3 Bedroom | -$60 | $1,500 | $1,440 |
| 4 Bedroom | -$190 | $1,820 | $1,630 |
Affordability — Fulton, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.3 |
| Median Home Price | $176,000 |
| Median Household Income | $63,200 |