Median home value in zip code 12130 (Niverville, NY) is $285,167, down 8.3% year over year. Part of the Hudson, NY metropolitan area.

Home Value$285,167

YoY Change

-8.3%

Prices falling — better for buyers.

Affordability

Enter your income for 12130 (Niverville).

Income (annual)

Down Payment

$57,033 on $285,167

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

Stretch32% of income

Above 28% but manageable with cuts.

PITI$2,001

P/I32%

Afford$249K

Gap-$36K

P&I $1,442Tax $409Ins $150

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

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

Metro Analysis

12130 is part of the Hudson, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Hudson, NY analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.