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Upper Jay 12987

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New York
$239K
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.
-5.2%
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.
4
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$248K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Oct 2025 · 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
20162017201820202021202320242025
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
20162017201820202021202320242025
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20162017201820202021202320242025
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
20162017201820202021202320242025
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
20162017201820202021202320242025
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
20162017201820202021202320242025
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20162017201820202021202320242025
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20162017201820202021202320242025
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
20162017201820202021202320242025
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
20172026

Housing Stock

HomesHow many homes we have records for in this area.135
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$248K
Median sizeThe middle home size here, measured in square feet.1,528 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.1972
Single familyThe share of homes here that are single-family houses.68%

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.56%
Company ownedThe share of homes owned by a company or trust instead of a person.6.7%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.13%
Typical ownership tenureHow long the typical owner here has held their home.8.6 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.116
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 100.125

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.66%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
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.489
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.45 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$87K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97K
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.39 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 Upper Jay 12987 compares

By median home value, Upper Jay 12987 is the 8th most expensive of 26 ZIP codes in Essex County, and its typical home is worth more than 63% of all homes in Essex County.

Home values in Upper Jay 12987

Share of homes at each estimated value.

Median
$115K$699K
ZIP codes in Essex County ranked by median home value
#Essex CountyMedian valueHomes
1Paradox 12858$464K177
2Schroon Lake 12870$380K1,767
3Essex 12936$357K468
4Jay 12941$282K989
5Keene Valley 12943$275K481
6Olmstedville 12857$256K507
7Keene 12942$249K605
8Upper Jay 12987$248K135
9Newcomb 12852$246K637
10Minerva 12851$239K342
11Ticonderoga 12883$214K2,280
12Westport 12993$212K1,090
13Willsboro 12996$211K1,469
14Crown Point 12928$205K1,027
15Port Kent 12975$193K152
16Lewis 12950$186K354
17North Hudson 12855$185K297
18Wilmington 12997$178K819
19Elizabethtown 12932$165K803
20Moriah 12960$163K485
21Keeseville 12944$156K1,804
22Port Henry 12974$136K674
23Lake Placid 12946$126K5,690
24Mineville 12956$122K501

26 ZIP codes in Essex County are ranked; the most valuable are listed here.

About the Upper Jay 12987 market

What is the median home price in Upper Jay 12987, NY?

The median sale price in Upper Jay 12987, NY is $238,500 (data through October 2025), based on deeds recorded with the county. That is down 5.2% from a year earlier.

How many homes sell in Upper Jay 12987, NY each year?

4 homes sold in Upper Jay 12987, NY over the last 12 months (data through October 2025). 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 Upper Jay 12987, NY?

Upper Jay 12987, NY contains 135 residential properties, with a median of 1,528 square feet, 3 bedrooms, built around 1972. The median TopHap Estimate is $248K.

How does Upper Jay 12987, NY compare to the rest of Essex County?

By median home value, Upper Jay 12987, NY is the 8th most expensive of 26 ZIP codes in Essex County. Its typical home is worth more than 63% of all homes in Essex County. Keene 12942 ranks just above it and Newcomb 12852 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Upper Jay 12987, NY?

56% of homes in Upper Jay 12987, NY are owner-occupied. 7% are held by a company rather than an individual.

How much equity do owners in Upper Jay 12987, NY hold?

76% of mortgaged homes in Upper Jay 12987, 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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Explore Upper Jay 12987 on the map

See every recorded sale, price heat map, school zone and flood overlay across Upper Jay 12987 in TopHap’s interactive 3D map.

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