Median home value in zip code 12531 (Holmes, NY) is $510,320, up 7.4% year over year. Part of the Poughkeepsie-Newburgh-Middletown, NY metropolitan area.

Home Value$510,320

YoY Change

+7.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 12531 (Holmes).

Income (annual)

Down Payment

$102,064 on $510,320

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

Out of reach55.4% of income

Need $148,371/yr to afford.

PITI$3,462

P/I55.4%

Afford$258K

Gap-$252K

P&I $2,580Tax $731Ins $150

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

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

Metro Analysis

12531 is part of the Poughkeepsie-Newburgh-Middletown, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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