Median home value in zip code 12565 (Philmont, NY) is $311,546, up 5.6% year over year. Part of the Hudson, NY metropolitan area.

Home Value$311,546

YoY Change

+5.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 12565 (Philmont).

Income (annual)

Down Payment

$62,309 on $311,546

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

Stretch34.8% of income

Above 28% but manageable with cuts.

PITI$2,172

P/I34.8%

Afford$251K

Gap-$61K

P&I $1,575Tax $447Ins $150

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

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

Metro Analysis

12565 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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