ZIP 12195 housing market

Data through Jan 2026 · Balanced market · leverage 39

Buyer Leverage Score

Sep 2023

Months of Supply

3.0 months

Mar 2016

Days on Market

124 days

Nov 2023

Price Cut %

0.0%

Sep 2023

Sale-to-List Ratio

82.6%

Jul 2021

Expected Disaster Loss

$139

Dec 2025

What this means

Supply. Listings are 100% below the 2017-19 norm and falling (−75% vs. a year ago): still a tight market.
Negotiating. Buyer leverage is moderate (39/100; U.S.: 54) (as of Sep 2023): homes sell for about 17.4% below their final list price (as of Jul 2021); 0% of listings had a price cut (U.S.: 26%) (as of Sep 2023).
Disaster risk. FEMA expects about $139 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.

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Area	Home value	1-year change	Buyer leverage
Hudson, NY 12534	$452.1K	+5.5%	56
Valatie, NY 12184	$452.6K	+4.3%	60
Chatham, NY 12037	$508.2K	+4.2%	17
Germantown, NY 12526	$589.9K	+8.8%	28
Ghent, NY 12075	$548.1K	+8.0%	70
Hillsdale, NY 12529	$598.8K	+7.5%	62
Stuyvesant, NY 12173	$379K	+1.2%	47
Craryville, NY 12521	$514.7K	+7.2%	64
Copake, NY 12516	$493.5K	+10.0%	19
Elizaville, NY 12523	$426.9K	+8.1%	25
Kinderhook, NY 12106	$483.5K	+6.4%	45
East Chatham, NY 12060	$560.8K	+2.1%	63
Philmont, NY 12565	$333.4K	+1.6%	44
New Lebanon, NY 12125	$388.4K	+4.5%	58
Canaan, NY 12029	$542.8K	+3.1%	48
Old Chatham, NY 12136	$623.5K	+3.1%	49
Ancram, NY 12502	$570.4K	+6.4%	41
Ancramdale, NY 12503	$595.9K	+10.2%	26
Austerlitz, NY 12017	$734.9K	+8.2%	43
Stuyvesant Falls, NY 12174	–	–	5
Hollowville, NY 12530	–	–	48
Niverville, NY 12130	$310.6K	+0.4%	10
Claverack, NY 12513	$468K	0.0%	70
Spencertown, NY 12165	$606K	+8.6%	90
Copake, NY 12517	$496.7K	+9.2%	5
Stottville, NY 12172	–	–	4
ZIP 12544	–	–	2
ZIP 12132	–	–	11
Brainard, NY 12024	$407.8K	+6.6%	21
Malden Bridge, NY 12115	–	–	9