Median home value in zip code 12989 (Vermontville, NY) is $237,530, up 1.6% year over year. Part of the Malone, NY metropolitan area.

Home Value$237,530

YoY Change

+1.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 12989 (Vermontville).

Income (annual)

Down Payment

$47,506 on $237,530

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

Affordable27.1% of income

Under the 28% guideline.

PITI$1,692

P/I27.1%

Afford$246K

Room+$8K

P&I $1,201Tax $340Ins $150

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

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

Metro Analysis

12989 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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