Median home value in zip code 12972 (Peru, NY) is $262,661, up 2.8% year over year. Part of the Plattsburgh, NY metropolitan area.

Home Value$262,661

YoY Change

+2.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 12972 (Peru).

Income (annual)

Down Payment

$52,532 on $262,661

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

Stretch29.7% of income

Above 28% but manageable with cuts.

PITI$1,855

P/I29.7%

Afford$248K

Gap-$15K

P&I $1,328Tax $376Ins $150

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

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

Metro Analysis

12972 is part of the Plattsburgh, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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