Median home value in zip code 13435 (Prospect, NY) is $167,871, down 1.4% year over year. Part of the Utica-Rome, NY metropolitan area.

Home Value$167,871

YoY Change

-1.4%

Prices falling — better for buyers.

Affordability

Enter your income for 13435 (Prospect).

Income (annual)

Down Payment

$33,574 on $167,871

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

Affordable19.8% of income

Under the 28% guideline.

PITI$1,239

P/I19.8%

Afford$237K

Room+$69K

P&I $849Tax $241Ins $150

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

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

Metro Analysis

13435 is part of the Utica-Rome, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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