Black River, NY13612

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$236,000
2.3% YoY Growth
Median Household Income
$67,100
2.2% 5-Year Growth
Days on Market
74
15.0% Shorter than last year
Home Price Forecast
0.8%
Median Rent
$1,200
4.5% YoY Growth
1-Bed Rent
$850
20.9% YoY Growth
2-Bed Rent
$995
7.0% YoY Growth
3-Bed Rent
$1,800
0.0% YoY Growth

Other Zip Codes in Black River, NY

Property Listings — Black River, NY

As of Oct '25, Realtor.com reports that the median days on market for a home in Black River, NY is 74. This is a decrease of -15.0% 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 17.0%, representing a small inventory and little supply pressure on home prices.

MetricZip Code AverageYear over Year % Change
Median Listing Price
$278,000-6.0%
Listing Count
2343.0%
Listings as % of Homes0.5%43.0%
Days on Market
74-15.0%
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Demographics — Black River, NY

As of the latest ACS Survey released in 2023, Black River, NY has a population of 2,940, which has increased by 26.6% over the past 5 years. Black River, NY is a moderately popular place for families, as children make up 23.3% of the population. The area has a poorly educated workforce, with 24.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.4% reporting working from home.

MetricLatest CensusYoY % Change
Population
2,94026.6%
% Under 18
23.3%-7.9%
% Seniors
17.9%20.9%
% WFH
2.4%140.0%
% w/ College Degree
24.4%-20.3%
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As of the latest ACS Survey released in 2023, Black River, NY is a predominantly white area, with 90.8% of the population identifying as white. The white population has grown by 2.0% in the last 5 years. The second most common race or ethnicity in Black River, NY is asian, making up 4.0% of the population. Foreign-born residents account for 5.7% of the population in Black River, NY, and this percentage has decreased by 8.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

Race and Ethnicity

MetricLatest Census5-Year % Change
% White
90.8%2.0%
% Black
0.0%-100.0%
% Hispanic
2.5%177.8%
% Asian
4.0%-28.6%
% Foreign Born
5.7%-8.1%
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Mortgage and Risk — Black River, NY

According to HUD data as of 2023, there were 55 mortgage originations in Black River, NY, of which 55.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 42.0% above 90% LTV (very high). This implies large mortgage risk in Black River, NY. Investor activity is low, as 0.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

Mortgages

MetricZip Code Average
Total Loan Originations
55
% Conventional Loans
55.0%
% Government Loans
45.0%
% Investor Loans
0.0%
% Second Loans
0.0%
% Cash Out Refinance
7.0%

Loan Activity

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Rentals and Section 8 — Black River, NY

As of 2024, the percent of homes in Black River, NY under the Section 8 program is 16.7%. 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. 1-bedroom and 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Black River, NY, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.

Section 8 Market Size

Total Units under HUD
61
Total Units Section 8
61
% Rentals under Section 8
16.7%
% Occupied Section 8
87.0%

Section 8 Opportunity

Home SizeHUD PremiumMarket RentMax HUD Rent
1 Bedroom$90$850$940
2 Bedroom$235$995$1,230
3 Bedroom-$140$1,800$1,660
4 Bedroom-$90$2,100$2,010

Affordability — Black River, NY

Home Price to Income Ratio

MetricZip Code Average
Home Price to Income Ratio3.1
Median Home Price$236,000
Median Household Income$67,100

Black River, NY — ZIP Code Boundary Map

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Frequently Asked Questions