Median home value in zip code 12976 (Rainbow Lake, NY) is $406,756, up 3.8% year over year. Part of the Malone, NY metropolitan area.

Home Value$406,756

YoY Change

+3.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 12976 (Rainbow Lake).

Income (annual)

Down Payment

$81,351 on $406,756

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

Out of reach44.6% of income

Need $119,571/yr to afford.

PITI$2,790

P/I44.6%

Afford$255K

Gap-$152K

P&I $2,057Tax $583Ins $150

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

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

Metro Analysis

12976 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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