Median home value in zip code 12970 (Paul Smiths, NY) is $303,038, up 4.3% year over year. Part of the Malone, NY metropolitan area.

Home Value$303,038

YoY Change

+4.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 12970 (Paul Smiths).

Income (annual)

Down Payment

$60,608 on $303,038

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

Stretch33.9% of income

Above 28% but manageable with cuts.

PITI$2,117

P/I33.9%

Afford$251K

Gap-$53K

P&I $1,532Tax $434Ins $150

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

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

Metro Analysis

12970 is part of the Malone, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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