Median home value in zip code 12981 (Saranac, NY) is $179,275, down 1.0% year over year. Part of the Plattsburgh, NY metropolitan area.

Home Value$179,275

YoY Change

-1.0%

Prices falling — better for buyers.

Affordability

Enter your income for 12981 (Saranac).

Income (annual)

Down Payment

$35,855 on $179,275

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

Affordable21% of income

Under the 28% guideline.

PITI$1,313

P/I21%

Afford$239K

Room+$60K

P&I $907Tax $257Ins $150

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

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

Metro Analysis

12981 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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