Median home value in zip code 12549 (Montgomery, NY) is $481,476, up 5.2% year over year. Part of the Poughkeepsie-Newburgh-Middletown, NY metropolitan area.

Home Value$481,476

YoY Change

+5.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 12549 (Montgomery).

Income (annual)

Down Payment

$96,295 on $481,476

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

Out of reach52.4% of income

Need $140,357/yr to afford.

PITI$3,275

P/I52.4%

Afford$257K

Gap-$224K

P&I $2,435Tax $690Ins $150

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

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

Metro Analysis

12549 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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