Median home value in zip code 12740 (Grahamsville, NY) is $277,958, down 7.2% year over year. Part of the Kingston, NY metropolitan area.

Home Value$277,958

YoY Change

-7.2%

Prices falling — better for buyers.

Affordability

Enter your income for 12740 (Grahamsville).

Income (annual)

Down Payment

$55,592 on $277,958

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

Stretch31.3% of income

Above 28% but manageable with cuts.

PITI$1,954

P/I31.3%

Afford$249K

Gap-$29K

P&I $1,406Tax $398Ins $150

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

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

Metro Analysis

12740 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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