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Area data

Silver Bay, NY — ZIP 12874

Population: 205 (Census ACS)

The typical home value in ZIP 12874 (Silver Bay, NY) is $1.03M — up 10.5% over the past year. Homes sell for a median $1.23M after a median 551 days on market. FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with lightning, cold wave the top-rated hazards. Cost of living is 7.9% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$1.03M

Typical home value

+10.5%

1-year change

551

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Typical home value
$1.03M
1-year appreciation
+10.5%
3-year appreciation
+28.4%
5-year appreciation
+59.8%
10-year appreciation
+132.9%
Peak value since 2000 (Sep 2026)
$1.03M
House Price Index (state)
437.3 (+3.5% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$1.23M
Median price per sqft
$467
Median days on market
551 days
Homes sold (recent period)
2
Sale-to-list ratio
97.8%
1-year forecast
+4.2%

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,066/mo
1BR fair-market rent
$1,073/mo
2BR fair-market rent
$1,347/mo
3BR fair-market rent
$1,745/mo
4BR fair-market rent
$1,770/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Above Average)
107.9 (100 = US avg)
Electricity rate (state-level)
26.4¢/kWh
Natural gas rate (state-level)
$17.60/MCF
30-year mortgage rate (national)
7.18%
15-year mortgage rate (national)
6.57%

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)
lightning, cold wave
Notable hazard ratings (county)
lightning: Relatively High · cold wave: Relatively Moderate · tornado: Relatively Low · ice storm: Relatively Low · hurricane: Relatively Low · landslide: Relatively Low
Wildfire risk to homes (county)
Higher than 16% of US counties
Buildings in wildfire direct-exposure zone
63.9%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
46.0°F
Average high
57.0°F
Average low
35.0°F
Annual precipitation
38.2 in
USDA plant hardiness zone
5a (extreme annual low -20 to -15°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Amenities

National parks within ~60 mi
3
Nearest national park
Saratoga National Historical Park (49 mi)
National parks include
Saratoga National Historical Park, Marsh - Billings - Rockefeller National Historical Park, Saint-Gaudens National Historical Park
Airports within 30 mi
17
Nearest airport
Ticonderoga Municipal Airport (14 mi)
Nearest major airport
Rutland - Southern Vermont Regional Airport (RUT) (30 mi)
Hospitals in or near this ZIP
4
Hospitals include
GLENS FALLS HOSPITAL, ELIZABETHTOWN COMMUNITY HOSPITAL, RUTLAND REGIONAL MEDICAL CENTER
Avg hospital rating (CMS)
3.3 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Fair (3.7 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
+56 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1957
Housing built before 1970
62.1%
Housing built 2000 or later
8.8%
Median annual property tax
$4,000
Households with broadband internet
77.7%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
32,205
Average weekly wage
$1,173
Top industries (by employment)
Health Care, Accommodation & Food, Administrative Services
Annual residential building permits (county)
243

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 12874State medianUS median
Typical home value$1.03M$329,429$285,053
Median sale price$1.23M$383,637$319,906
Median days on market551 days36 days48 days
Median annual property tax$4,000$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 typical home value in ZIP 12874?
$1.03M.
What is the median sale price in ZIP 12874?
$1.23M.
How long do homes take to sell in ZIP 12874?
Median days on market: 551 days.
What is typical rent in ZIP 12874?
2-bedroom fair-market rent: $1,347/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 12874?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: lightning, cold wave.
What is the wildfire risk in ZIP 12874?
Risk to homes is higher than 16% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 12874?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 12874?
No current or proposed National Priorities List sites within 5 miles (EPA).
What is the cost of living in ZIP 12874?
Regional Price Parity: 107.9 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Nov 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents