ZIP Code 12962 Housing Market
ZIP code 12962 is located in Clinton County, New York. Based on the FHFA House Price Index, the most recent annual HPI value is 258.3 (2000 = 100) , with a year-over-year change of +10.61% as of 2025.
📈 12962 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
The housing market in ZIP code 12962, located within Clinton County, New York, exhibits a robust upward price trajectory over the past five years. The FHFA House Price Index for this specific area has climbed from 166.84 in 2020 to 258.32 in 2025. This represents a cumulative appreciation of approximately 55% in just five years, indicating sustained demand and significant value growth. The recent year-over-year increase of 10.61% further underscores the momentum in this local market, which has outpaced broader regional trends. When compared to wider geographic benchmarks, ZIP 12962 demonstrates notable divergence. Its 10.61% annual growth significantly exceeds the Clinton County average of 5.86% and the New York State average of 3.55%. This outperformance suggests that specific local factors are driving premium pricing in this sub-market, potentially due to limited inventory or unique amenity sets that attract higher-bidder competition. While nearby ZIPs like 12901 show similar strength with a 12.25% increase, the consistent outpacing of the state average highlights a distinct micro-market dynamic. The sub-market character appears to be a high-demand, owner-occupied community. The parent county’s median home value stands at $180,600, yet the HPI level in 12962 suggests that specific properties or micro-neighborhoods are commanding premiums above the county median. With an owner occupancy rate of 69.4% in the county, the market leans heavily toward homeownership rather than rental activity. For prospective buyers, the practical takeaway is that entry into ZIP 12962 requires navigating a competitive environment where prices are rising faster than the surrounding region. Residents should anticipate that current valuation levels reflect a premium over the general Clinton County baseline, necessitating careful budgeting against the current 7.40% mortgage rate to maintain affordability relative to the $71,224 median household income.
About This ZIP Code
ZIP code 12962 is one of the most active real estate sub-markets in Clinton County, New York. The FHFA House Price Index tracks cumulative price appreciation since 2000, providing a consistent measure of long-term value change in this specific ZIP area.
For full county-level context, see the Clinton County Housing Market page, which includes ACS median home values, rent, owner-occupancy, employment, migration, and other economic indicators.
Other Active ZIPs in Clinton County
| ZIP Code | HPI | YoY | Latest Year |
|---|---|---|---|
| 12972 | 268.1 | +6.09% | 2025 |
| 12901 | 251.7 | +12.25% | 2025 |
Data Source: FHFA House Price Index for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100). Data as of 2025. This product uses FHFA Data but is neither endorsed nor certified by FHFA.