Median home value in zip code 12165 (Spencertown, NY) is $534,960, up 11.7% year over year. Part of the Hudson, NY metropolitan area.

Home Value$534,960

YoY Change

+11.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 12165 (Spencertown).

Income (annual)

Down Payment

$106,992 on $534,960

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

Out of reach58% of income

Need $155,229/yr to afford.

PITI$3,622

P/I58%

Afford$258K

Gap-$276K

P&I $2,705Tax $767Ins $150

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

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

Metro Analysis

12165 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.

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