Median home value in zip code 12525 (Gardiner, NY) is $527,765, up 2.8% year over year. Part of the Kingston, NY metropolitan area.

Home Value$527,765

YoY Change

+2.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 12525 (Gardiner).

Income (annual)

Down Payment

$105,553 on $527,765

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

Out of reach57.2% of income

Need $153,214/yr to afford.

PITI$3,575

P/I57.2%

Afford$258K

Gap-$269K

P&I $2,669Tax $756Ins $150

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

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

Metro Analysis

12525 is part of the Kingston, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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