Median home value in zip code 12986 (Tupper Lake, NY) is $204,086, up 2.6% year over year. Part of the Malone, NY metropolitan area.

Home Value$204,086

YoY Change

+2.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 12986 (Tupper Lake).

Income (annual)

Down Payment

$40,817 on $204,086

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

Affordable23.6% of income

Under the 28% guideline.

PITI$1,474

P/I23.6%

Afford$242K

Room+$38K

P&I $1,032Tax $293Ins $150

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

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

Metro Analysis

12986 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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