Skip to content
Skip to content
TopHapOpen in map

Spencertown 12165

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New York
$995K
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.
+138.8%
1-yr changeHow 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.
5
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$514K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Apr 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
20172018202020212022202320252026
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
20172018202020212022202320252026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20172018202020212022202320252026
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
20172018202020212022202320252026
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
20172018202020212022202320252026
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
20172018202020212022202320252026
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
20172018202020212022202320252026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20172018202020212022202320252026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20172018202020212022202320252026
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
20172018202020212022202320252026
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
NovFeb

Housing Stock

HomesHow many homes we have records for in this area.142
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$514K
Median sizeThe middle home size here, measured in square feet.1,800 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.1976
Single familyThe share of homes here that are single-family houses.75%

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.81%
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.52%
Company ownedThe share of homes owned by a company or trust instead of a person.15%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.15%
Typical ownership tenureHow long the typical owner here has held their home.20.7 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.145
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.74%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
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.57
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$92K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$111K
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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 Spencertown 12165 compares

By median home value, Spencertown 12165 is the 8th most expensive of 24 ZIP codes in Columbia County, and its typical home is worth more than 60% of all homes in Columbia County.

Home values in Spencertown 12165

Share of homes at each estimated value.

Median
$257K$1.8M
ZIP codes in Columbia County ranked by median home value
#Columbia CountyMedian valueHomes
1Ancramdale 12503$584K489
2Hillsdale 12529$575K1,724
3Austerlitz 12017$575K279
4Old Chatham 12136$556K509
5Ancram 12502$527K718
6Germantown 12526$523K1,655
7Ghent 12075$518K1,454
8Spencertown 12165$514K142
9East Chatham 12060$501K790
10Craryville 12521$500K1,081
11Canaan 12029$499K736
12Copake Falls 12517$481K211
13Kinderhook 12106$478K952
14Chatham 12037$467K1,439
15Copake 12516$446K1,013
16Valatie 12184$430K2,527
17Elizaville 12523$414K882
18Hudson 12534$412K5,450
19Claverack 12513$357K322
20Stuyvesant 12173$355K736
21New Lebanon 12125$325K511
22Niverville 12130$295K439
2312172$273K100
24Philmont 12565$257K373

About the Spencertown 12165 market

What is the median home price in Spencertown 12165, NY?

The median sale price in Spencertown 12165, NY is $995,000 (data through April 2026), based on deeds recorded with the county. That is up 138.8% from a year earlier.

How many homes sell in Spencertown 12165, NY each year?

5 homes sold in Spencertown 12165, NY over the last 12 months (data through April 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 Spencertown 12165, NY?

Spencertown 12165, NY contains 142 residential properties, with a median of 1,800 square feet, 3 bedrooms, built around 1976. The median TopHap Estimate is $514K.

How does Spencertown 12165, NY compare to the rest of Columbia County?

By median home value, Spencertown 12165, NY is the 8th most expensive of 24 ZIP codes in Columbia County. Its typical home is worth more than 60% of all homes in Columbia County. Ghent 12075 ranks just above it and East Chatham 12060 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Spencertown 12165, NY?

52% of homes in Spencertown 12165, NY are owner-occupied. 15% are held by a company rather than an individual.

How much equity do owners in Spencertown 12165, NY hold?

81% of mortgaged homes in Spencertown 12165, 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

Browse addresses

Every street and address TopHap holds is browsable by state, county and city. Browse New York property records.

Explore Spencertown 12165 on the map

See every recorded sale, price heat map, school zone and flood overlay across Spencertown 12165 in TopHap’s interactive 3D map.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map