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Silver Bay 12874

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New YorkBalanced market
Market temperatureA 0 to 100 score comparing this area with every similar area nationwide each month. 0 is the strongest buyer's market, 100 the strongest seller's market.Balanced market · 45
Buyer's marketBalancedSeller's market
$449K
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.
$1M
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Oct 2024 · 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
2016201720192020202120222024
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
2016201720192020202120222024
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
2016201720192020202120222024
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
2016201720192020202120222024
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
2016201720192020202120222024
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
2016201720192020202120222024
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
2016201720192020202120222024
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
2016201720192020202120222024
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
2016201720192020202120222024

Housing Stock

HomesHow many homes we have records for in this area.265
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$1M
Median sizeThe middle home size here, measured in square feet.1,748 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.1966
Single familyThe share of homes here that are single-family houses.55%

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.93%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0.9%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.26%
Company ownedThe share of homes owned by a company or trust instead of a person.38%
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.10.5 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.175
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

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.35%
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.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.178
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$78K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$114K
Average tempThe average temperature here across a full year.42°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.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 Silver Bay 12874 compares

By median home value, Silver Bay 12874 is the 2nd most expensive of 21 ZIP codes in Warren County, and its typical home is worth more than 93% of all homes in Warren County.

Home values in Silver Bay 12874

Share of homes at each estimated value.

Median
$349K$4.8M
ZIP codes in Warren County ranked by median home value
#Warren CountyMedian valueHomes
112820$1.9M209
2Silver Bay 12874$1M265
3Bolton Landing 12814$768K1,576
4Diamond Point 12824$711K1,012
5Adirondack 12808$644K548
6Hague 12836$609K858
7Lake George 12845$468K3,106
8Brant Lake 12815$454K1,099
9Chestertown 12817$428K2,058
10Queensbury 12804$367K9,684
11Pottersville 12860$305K416
12Johnsburg 12843$303K483
13North Creek 12853$302K1,145
14North River 12856$288K331
1512811$283K202
16Lake Luzerne 12846$264K2,014
17Wevertown 12886$256K215
18Glens Falls 12801$251K4,634
19Warrensburg 12885$232K2,082
20Athol 12810$229K334
21Stony Creek 12878$187K529

About the Silver Bay 12874 market

What is the median home price in Silver Bay 12874, NY?

The median sale price in Silver Bay 12874, NY is $448,500 (data through October 2024), based on deeds recorded with the county.

How many homes sell in Silver Bay 12874, NY each year?

4 homes sold in Silver Bay 12874, NY over the last 12 months (data through October 2024). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

Is Silver Bay 12874, NY a buyer's or seller's market?

Silver Bay 12874, NY is currently a balanced market, scoring 45 out of 100 on TopHap's market temperature index (data through October 2024). The score weighs sales velocity and price direction; above 60 favours sellers, below 40 favours buyers.

How many homes are there in Silver Bay 12874, NY?

Silver Bay 12874, NY contains 265 residential properties, with a median of 1,748 square feet, 3 bedrooms, built around 1966. The median TopHap Estimate is $1M.

How does Silver Bay 12874, NY compare to the rest of Warren County?

By median home value, Silver Bay 12874, NY is the 2nd most expensive of 21 ZIP codes in Warren County. Its typical home is worth more than 93% of all homes in Warren County. 12820 ranks just above it and Bolton Landing 12814 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Silver Bay 12874, NY?

26% of homes in Silver Bay 12874, NY are owner-occupied. 38% are held by a company rather than an individual.

How much equity do owners in Silver Bay 12874, NY hold?

93% of mortgaged homes in Silver Bay 12874, NY are equity-rich, meaning the loan balance is under half the home's value. 0.9% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Silver Bay 12874 on the map

See every recorded sale, price heat map, school zone and flood overlay across Silver Bay 12874 in TopHap’s interactive 3D map.

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