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Ruby 12475

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New York
$650K
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.
2
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$359K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jan 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
20162018201920202021202220242026
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
20162018201920202021202220242026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20162018201920202021202220242026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
20162018201920202021202220242026
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
20162018201920202021202220242026
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
20162018201920202021202220242026
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
20162018201920202021202220242026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20162018201920202021202220242026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20162018201920202021202220242026
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
20162018201920202021202220242026

Housing Stock

HomesHow many homes we have records for in this area.130
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$359K
Median sizeThe middle home size here, measured in square feet.1,600 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.1960
Single familyThe share of homes here that are single-family houses.84%

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.67%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.77%
Company ownedThe share of homes owned by a company or trust instead of a person.12%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.32%
Typical ownership tenureHow long the typical owner here has held their home.8.7 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.13
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.56

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.230
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.290 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$111K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110K
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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 Ruby 12475 compares

By median home value, Ruby 12475 is the 42nd most expensive of 52 ZIP codes in Ulster County, and its typical home is worth more than 29% of all homes in Ulster County.

Home values in Ruby 12475

Share of homes at each estimated value.

Median
$174K$839K
ZIP codes in Ulster County ranked by median home value
#Ulster CountyMedian valueHomes
1Bearsville 12409$666K663
2Woodstock 12498$659K2,513
3Stone Ridge 12484$625K1,312
4Glenford 12433$615K242
5Olivebridge 12461$588K971
6Mount Tremper 12457$577K457
7Willow 12495$553K265
8Accord 12404$552K1,703
9New Paltz 12561$548K4,879
10High Falls 12440$546K926
11West Shokan 12494$536K456
12Highmount 12441$527K118
13Lake Hill 12448$524K125
14Gardiner 12525$518K1,286
15West Hurley 12491$517K843
16Cottekill 12419$508K258
17Milton 12547$502K616
1812420$495K129
19Marlboro 12542$473K2,350
20Wallkill 12589$465K4,535
21Modena 12548$465K380
22Shokan 12481$464K612
23Hurley 12443$462K1,568
24West Park 12493$462K120
42Ruby 12475$359K130

52 ZIP codes in Ulster County are ranked; the most valuable are listed here.

About the Ruby 12475 market

What is the median home price in Ruby 12475, NY?

The median sale price in Ruby 12475, NY is $650,000 (data through January 2026), based on deeds recorded with the county.

How many homes sell in Ruby 12475, NY each year?

2 homes sold in Ruby 12475, NY over the last 12 months (data through January 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 Ruby 12475, NY?

Ruby 12475, NY contains 130 residential properties, with a median of 1,600 square feet, 3 bedrooms, built around 1960. The median TopHap Estimate is $359K.

How does Ruby 12475, NY compare to the rest of Ulster County?

By median home value, Ruby 12475, NY is the 42nd most expensive of 52 ZIP codes in Ulster County. Its typical home is worth more than 29% of all homes in Ulster County. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Ruby 12475, NY?

77% of homes in Ruby 12475, NY are owner-occupied. 12% are held by a company rather than an individual.

How much equity do owners in Ruby 12475, NY hold?

67% of mortgaged homes in Ruby 12475, NY are equity-rich, meaning the loan balance is under half the home's value. 0.0% owe more than the home is worth.

Nearby markets

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See every recorded sale, price heat map, school zone and flood overlay across Ruby 12475 in TopHap’s interactive 3D map.

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