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Paul Smiths 12970

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New York
$318K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
4
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$140K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jul 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20172018201920202022202320242026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20172018201920202022202320242026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20172018201920202022202320242026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20172018201920202022202320242026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20172018201920202022202320242026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20172018201920202022202320242026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20172018201920202022202320242026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20172018201920202022202320242026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
20172018201920202022202320242026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
2017201820252026

Housing Stock

HomesHow many homes we have records for in this area.232
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$140K
Median sizeThe middle home size here, measured in square feet.1,512 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1930
Single familyThe share of homes here that are single-family houses.60%
CondosThe share of homes here that are condos.3.0%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.76%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.1.0%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.43%
Company ownedThe share of homes owned by a company or trust instead of a person.22%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.12.8 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.157
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.155

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.39%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.706
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.6 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$73K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109K
Average tempThe average temperature here across a full year.41°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Paul Smiths 12970 compares

By median home value, Paul Smiths 12970 is the 5th most expensive of 18 ZIP codes in Franklin County, and its typical home is worth more than 57% of all homes in Franklin County.

Home values in Paul Smiths 12970

Share of homes at each estimated value.

Median
$45K$5.7M
ZIP codes in Franklin County ranked by median home value
#Franklin CountyMedian valueHomes
1Rainbow Lake 12976$205K277
2Saranac Lake 12983$158K3,181
3Burke 12917$143K627
4Chateaugay 12920$143K1,349
5Paul Smiths 12970$140K232
6Malone 12953$131K4,494
7Tupper Lake 12986$126K2,994
8Owls Head 12969$124K556
9North Bangor 12966$123K1,294
10Constable 12926$121K933
11Dickinson Center 12930$118K419
12Moira 12957$113K661
13Brushton 12916$112K941
14Saint Regis Falls 12980$108K1,187
15Vermontville 12989$106K865
16Lake Clear 12945$103K273
17Fort Covington 12937$102K665
18Bombay 12914$80K381

About the Paul Smiths 12970 market

What is the median home price in Paul Smiths 12970, NY?

The median sale price in Paul Smiths 12970, NY is $317,500 (data through July 2026), based on deeds recorded with the county.

How many homes sell in Paul Smiths 12970, NY each year?

4 homes sold in Paul Smiths 12970, NY over the last 12 months (data through July 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Paul Smiths 12970, NY?

Paul Smiths 12970, NY contains 232 residential properties, with a median of 1,512 square feet, 3 bedrooms, built around 1930. The median TopHap Estimate is $140K.

How does Paul Smiths 12970, NY compare to the rest of Franklin County?

By median home value, Paul Smiths 12970, NY is the 5th most expensive of 18 ZIP codes in Franklin County. Its typical home is worth more than 57% of all homes in Franklin County. Chateaugay 12920 ranks just above it and Malone 12953 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Paul Smiths 12970, NY?

43% of homes in Paul Smiths 12970, NY are owner-occupied. 22% are held by a company rather than an individual.

How much equity do owners in Paul Smiths 12970, NY hold?

76% of mortgaged homes in Paul Smiths 12970, NY are equity-rich, meaning the loan balance is under half the home's value. 1.0% owe more than the home is worth.

Nearby markets

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