How much is a home worth in ZIP code 12528?

The typical home in 12528 is worth $423,808, based on the Zillow Home Value Index.

Are home values rising in 12528?

Home values in 12528 are up 1.8% over the past year, and up 6.9% a year over five years.

What is the typical rent in 12528?

A typical home in 12528 rents for about $1,932 a month, a gross rental yield of 5.5%.

What is the property tax rate in 12528?

The effective property tax rate in 12528 is 2.0% — roughly $8,580 a year on a typical home.

ZIP code 12528 has a population of 13,827 and a median household income of $92,462.

HousingHandbookReference data

…

U.S. ZIP Code · NY12528

Ulster County · Kingston, NY

Typical home value

$423,808^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +1.8%
5-year / yr: +6.9%
10-year / yr: +7.4%

Relative price

vs U.S.: +49.2%
vs metro: -3.1%
vs state: +33.0%

Price history

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

The typical home in 12528 is worth $423,808 — 3.1% below the Kingston, NY median. Over the past year, values have risen 1.8%. Homes here rent for a typical $1,932 a month — a 5.5% gross rental yield. The effective property tax rate is 2.0%.

#Rent & investment

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

Monthly rent: $1,932^[2]
Gross yield: 5.5%^[2]
Cap rate: 3.3%^[2]

#Property tax

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

Effective tax rate: 2.0%^[3]
Typical annual tax: $8,580^[3]

#Climate risk

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

Overall risk: Relatively Moderate^[4]
Riverine flood: Relatively Moderate
Coastal flood: Relatively Low
Wildfire: Very Low
Drought: Relatively Low
Heat wave: Relatively Low
Hurricane: Relatively Moderate
Tornado: Relatively Moderate
Earthquake: Relatively Low
Winter weather: Relatively Moderate

#Who lives here

Population: 13,827^[3]
Median household income: $92,462^[3]

#Migration

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

Net migration: +148^[5]
Moved in: 4,666
Moved out: 4,518

Schools

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

Public schools: 4
Elementary: 1
Middle: 1
High: 2

HIGHLAND ELEMENTARY SCHOOL
Elementary · Grades K–5 · HIGHLAND CENTRAL SCHOOL DISTRICT
621 students
HIGHLAND HIGH SCHOOL
High · Grades 9–12 · HIGHLAND CENTRAL SCHOOL DISTRICT
525 students
HIGHLAND MIDDLE SCHOOL
Middle · Grades 6–8 · HIGHLAND CENTRAL SCHOOL DISTRICT
360 students
HIGHLAND RESIDENTIAL CENTER
High · Grades 7–12 · NEW YORK STATE OFFICE OF CHILDREN AND FAMILY SERVICES (OCFS)
69 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.

Home value$Monthly rent$

Gross yield5.5%

Net yield (after ~40% expenses)3.3%

Annual rent$23,180

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.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$2,143

Loan principal$339,046

Down payment$84,762

Total interest paid$432,435

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.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.66

Monthly cost to own$3,210

Monthly rent$1,932

Renting is meaningfully cheaper month-to-month.

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: 42nd percentile^[1]
Rental yield: 0th percentile^[2]
Property tax: 84th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 12528?: The typical home in 12528 is worth $423,808, based on the Zillow Home Value Index.
Are home values rising in 12528?: Home values in 12528 are up 1.8% over the past year, and up 6.9% a year over five years.
What is the typical rent in 12528?: A typical home in 12528 rents for about $1,932 a month, a gross rental yield of 5.5%.
What is the property tax rate in 12528?: The effective property tax rate in 12528 is 2.0% — roughly $8,580 a year on a typical home.
Who lives in 12528?: ZIP code 12528 has a population of 13,827 and a median household income of $92,462.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

12412 vs 12528 →
NY
Typical home
$431,967
Gross yield
—
12453 vs 12528 →
Malden-on-Hudson CDP, NY
Typical home
$432,121
Gross yield
—
12487
Port Ewen CDP, NY
Typical home
$433,324
Gross yield
—
12486
Tillson CDP, NY
Typical home
$412,577
Gross yield
—
12443
Hurley CDP, NY
Typical home
$437,512
Gross yield
—
12566
Walker Valley CDP, NY
Typical home
$437,663
Gross yield
—

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#Jump to section

U.S. ZIP Code · NY12528

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