HousingHandbookReference data

U.S. ZIP Code · NY12078

Fulton County

Typical home value

$174,438[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+4.9%
5-year / yr
+6.9%
10-year / yr
+7.2%

Relative price

vs U.S.
-38.6%
vs metro
vs state
-45.2%
ZIP 12078 location in NY
Location of ZIP 12078 in NY

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 12078 is worth $174,438. Over the past year, values have risen 4.9%. Homes here rent for a typical $1,298 a month — a 8.9% gross rental yield. The effective property tax rate is 1.9%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,298[2]
Gross yield
8.9%[2]
Cap rate
5.4%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.9%[3]
Typical annual tax
$3,361[3]

#Climate risk

FEMA National Risk Index ratings for Fulton County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Low
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
No Rating
Heat wave
Very Low
Hurricane
Relatively Low
Tornado
Relatively Low
Earthquake
Very Low
Winter weather
Relatively Low

#Who lives here

Population
22,589[3]
Median household income
$58,367[3]

#Migration

Household moves in and out of Fulton County over a year, from IRS tax-return data.

Net migration
+39[5]
Moved in
1,172
Moved out
1,133

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
5
Elementary
3
Middle
1
High
1
  • GLOVERSVILLE HIGH SCHOOL

    High · Grades 9–12 · GLOVERSVILLE CITY SCHOOL DISTRICT

    682 students

  • GLOVERSVILLE MIDDLE SCHOOL

    Middle · Grades 6–8 · GLOVERSVILLE CITY SCHOOL DISTRICT

    562 students

  • BOULEVARD SCHOOL

    Elementary · Grades 3–5 · GLOVERSVILLE CITY SCHOOL DISTRICT

    544 students

  • KINGSBOROUGH SCHOOL

    Elementary · Grades PK–2 · GLOVERSVILLE CITY SCHOOL DISTRICT

    339 students

  • PARK TERRACE SCHOOL

    Elementary · Grades PK–2 · GLOVERSVILLE CITY SCHOOL DISTRICT

    274 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield8.9%
Net yield (after ~40% expenses)5.4%
Annual rent$15,570

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$882
Loan principal$139,550
Down payment$34,888
Total interest paid$177,989

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio1.01
Monthly cost to own$1,308
Monthly rent$1,298

Owning and renting are roughly even.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 12078?
The typical home in 12078 is worth $174,438, based on the Zillow Home Value Index.
Are home values rising in 12078?
Home values in 12078 are up 4.9% over the past year, and up 6.9% a year over five years.
What is the typical rent in 12078?
A typical home in 12078 rents for about $1,298 a month, a gross rental yield of 8.9%.
What is the property tax rate in 12078?
The effective property tax rate in 12078 is 1.9% — roughly $3,361 a year on a typical home.
Who lives in 12078?
ZIP code 12078 has a population of 22,589 and a median household income of $58,367.

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