Area data
Ferndale, NY — ZIP 12734
Population: 950 (Census ACS)
The median home value in ZIP 12734 (Ferndale, NY) is $328,842 — up 2.6% over the past year. FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with coldwave, inlandflooding, lightning the top-rated hazards. Cost of living is 15.5% above the US average (BEA, metro/state-level).
$328,842
Median home value
+2.6%
1-year change
Relatively Low
Hazard risk (county)
Home values & appreciation
- Median home value
- $328,842
- 1-year appreciation
- +2.6%
- 3-year appreciation
- +16.2%
- 5-year appreciation
- +43.5%
- 10-year appreciation
- +142.8%
- All-time peak (2026-05)
- $330,268
- House Price Index (state)
- 420.6 (+5.3% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- For-sale inventory
- 6
Source: recent area sales and market data (ZIP-level)
Affordability
- Cost of living index (High)
- 115.5 (100 = US avg)
- Electricity rate (state-level)
- 26.4¢/kWh
- Natural gas rate (state-level)
- $17.60/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Low
- Top hazards (county)
- coldWave, inlandFlooding, lightning, strongWind, tornado
- Notable hazard ratings (county)
- coldWave: Relatively Moderate · earthquake: Relatively Low · hail: Relatively Low · heatWave: Relatively Low · hurricane: Relatively Low · iceStorm: Relatively Low
- Wildfire risk to homes (county)
- Higher than 32% of US counties
- Buildings in wildfire direct-exposure zone
- 87.3%
- Radon potential (county)
- High radon potential — EPA Zone 1 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
- Nearest Superfund site
- Cortese Landfill (19.4 mi)
Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Annual precipitation
- 50.4 in
- USDA plant hardiness zone
- 6a (extreme annual low -10 to -5°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Amenities
- National parks within ~60 mi
- 7
- Nearest national park
- Upper Delaware Scenic & Recreational River (17 mi)
- National parks include
- Upper Delaware Scenic & Recreational River, Vanderbilt Mansion National Historic Site, Home Of Franklin D Roosevelt National Historic Site
- Airports within 30 mi
- 15
- Nearest airport
- Sullivan County International Airport (MSV) (4 mi)
- Nearest major airport
- New York Stewart International Airport (SWF) (36 mi)
- Hospitals nearby (~15 mi)
- 1,090
- Hospitals include
- MIZELL MEMORIAL HOSPITAL, CRENSHAW COMMUNITY HOSPITAL, CRENSHAW COMMUNITY HOSPITAL
- Avg hospital rating (CMS)
- 3.1 / 5
- Best hospital rating nearby (CMS)
- 5.0 / 5
- Solar radiation rating
- Fair (3.8 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- -1 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,955
- Housing built before 1970
- 55.7%
- Housing built 2000 or later
- 6.4%
- Median annual property tax
- $10,001
- Households with broadband internet
- 86.5%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 24,536
- Average weekly wage
- $977
- Top industries (by employment)
- Health Care, Accommodation & Food, Construction
- Annual residential building permits (county)
- 474
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 12734 | State median | US median | |
|---|---|---|---|
| Median home value | $328,842 | $332,036 | $289,727 |
| Median annual property tax | $10,001 | $4,500 | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the median home value in ZIP 12734?
- $328,842.
- What is the natural-hazard risk in ZIP 12734?
- Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: coldWave, inlandFlooding, lightning, strongWind, tornado.
- What is the wildfire risk in ZIP 12734?
- Risk to homes is higher than 32% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 12734?
- High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 12734?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- What is the cost of living in ZIP 12734?
- Regional Price Parity: 115.5 (100 = US average) (High) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →