Median home value in zip code 12095 (Johnstown, NY) is $189,235, up 1.3% year over year. Part of the Gloversville, NY metropolitan area.

Home Value$189,235

YoY Change

+1.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 12095 (Johnstown).

Income (annual)

Down Payment

$37,847 on $189,235

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

Affordable22% of income

Under the 28% guideline.

PITI$1,378

P/I22%

Afford$240K

Room+$51K

P&I $957Tax $271Ins $150

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

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

Metro Analysis

12095 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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