ZIP Code 12095 Housing Market
ZIP code 12095 is located in Fulton County, New York. Based on the FHFA House Price Index, the most recent annual HPI value is 251.5 (2000 = 100) , with a year-over-year change of +5.83% as of 2025.
📈 12095 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
The housing market in ZIP code 12095, located in Fulton County, New York, exhibits a distinct pattern of volatility and recent acceleration. The Home Price Index (HPI) for this area has climbed from 188.17 in 2021 to 251.49 in 2025, representing a significant cumulative increase over four years. This trajectory includes a notable dip in 2023, where the index fell to 210.33, before surging sharply in 2024 and 2025. The most recent year-over-year growth of 5.83% indicates a recovery phase following the 2023 correction, suggesting that local price dynamics are responsive to broader economic shifts but with unique local timing. When compared to broader geographic benchmarks, ZIP 12095 shows a clear divergence from its parent county. While Fulton County recorded a robust 10.63% year-over-year increase, the ZIP code’s 5.83% growth trails the county average by nearly five percentage points. Conversely, the ZIP’s performance significantly outpaces the New York state average of 3.55%. This divergence signals that while the immediate municipal area is experiencing moderate appreciation, the wider county is seeing more aggressive price inflation, possibly driven by other high-growth sub-markets. The ZIP’s HPI level of 251.5 places it below nearby ZIP 12010 (339.8) but above ZIP 12078 (265.9), positioning it as a mid-tier market within the regional landscape. Based on the parent county’s American Community Survey data, which reports a median home value of $163,100 and a median household income of $66,533, ZIP 12095 likely functions as an affordable, owner-occupied sub-market. The high owner occupancy rate of 71.4% suggests a stable residential community rather than a transient rental hub. Prospective buyers in this area should note that while prices are rising, they remain below the county’s higher-growth pockets. However, with the 30-year mortgage rate fixed at 7.40%, monthly carrying costs remain elevated relative to local income levels. The data indicates a market that is appreciating steadily but at a pace slower than the surrounding county, offering a potentially more accessible entry point for buyers seeking stability in the Fulton County region.
About This ZIP Code
ZIP code 12095 is one of the most active real estate sub-markets in Fulton 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 Fulton County Housing Market page, which includes ACS median home values, rent, owner-occupancy, employment, migration, and other economic indicators.
Other Active ZIPs in Fulton County
| ZIP Code | HPI | YoY | Latest Year |
|---|---|---|---|
| 12010 | 339.8 | +27.99% | 2025 |
| 12078 | 265.9 | +3.79% | 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.