Median home value in zip code 13786 (Harpersfield, NY) is $233,848, up 5.1% year over year.

Home Value$233,848

YoY Change

+5.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 13786 (Harpersfield).

Income (annual)

Down Payment

$46,770 on $233,848

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

Affordable26.7% of income

Under the 28% guideline.

PITI$1,668

P/I26.7%

Afford$245K

Room+$11K

P&I $1,182Tax $335Ins $150

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

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.