Median home value in zip code 12874 (Silver Bay, NY) is $967,852, up 11.7% year over year. Part of the Glens Falls, NY metropolitan area.

Home Value$967,852

YoY Change

+11.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 12874 (Silver Bay).

Income (annual)

Down Payment

$193,570 on $967,852

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

Out of reach102.9% of income

Need $275,614/yr to afford.

PITI$6,431

P/I102.9%

Afford$263K

Gap-$704K

P&I $4,894Tax $1,387Ins $150

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

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

Metro Analysis

12874 is part of the Glens Falls, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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