Median home value in zip code 12032 (Caroga Lake, NY) is $225,326, up 8.7% year over year. Part of the Gloversville, NY metropolitan area.

Home Value$225,326

YoY Change

+8.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 12032 (Caroga Lake).

Income (annual)

Down Payment

$45,065 on $225,326

Example: $75,000 household income. Change it above to see your own.

Affordable25.8% of income

Under the 28% guideline.

PITI$1,612

P/I25.8%

Afford$245K

Room+$19K

P&I $1,139Tax $323Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

12032 is part of the Gloversville, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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