HousingHandbookReference data

U.S. ZIP Code · NY12534

Columbia County

Typical home value

$436,906[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+4.7%
5-year / yr
+7.2%
10-year / yr
+8.3%

Relative price

vs U.S.
+53.8%
vs metro
vs state
+37.1%
ZIP 12534 location in NY
Location of ZIP 12534 in NY

Price history

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

The typical home in 12534 is worth $436,906. Over the past year, values have risen 4.7%. Homes here rent for a typical $2,388 a month — a 6.6% gross rental yield. The effective property tax rate is 1.3%.

#Rent & investment

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

Monthly rent
$2,388[2]
Gross yield
6.6%[2]
Cap rate
3.9%[2]

#Property tax

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

Effective tax rate
1.3%[3]
Typical annual tax
$5,517[3]

#Climate risk

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

Overall risk
Relatively Low[4]
Riverine flood
Relatively Moderate
Coastal flood
No Rating
Wildfire
Very Low
Drought
Very Low
Heat wave
Relatively Low
Hurricane
Relatively Low
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively Low

#Who lives here

Population
17,176[3]
Median household income
$72,741[3]

#Migration

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

Net migration
-112[5]
Moved in
1,521
Moved out
1,633

Schools

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

Public schools
3
Elementary
1
Middle
1
High
1
  • MONTGOMERY C SMITH ELEMENTARY SCHOOL

    Elementary · Grades PK–5 · HUDSON CITY SCHOOL DISTRICT

    719 students

  • HUDSON HIGH SCHOOL

    High · Grades 9–12 · HUDSON CITY SCHOOL DISTRICT

    462 students

  • HUDSON JUNIOR HIGH SCHOOL

    Middle · Grades 6–8 · HUDSON CITY SCHOOL DISTRICT

    376 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 yield6.6%
Net yield (after ~40% expenses)3.9%
Annual rent$28,650

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$2,209
Loan principal$349,525
Down payment$87,381
Total interest paid$445,800

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 ratio1.27
Monthly cost to own$3,032
Monthly rent$2,388

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

Frequently asked

How much is a home worth in ZIP code 12534?
The typical home in 12534 is worth $436,906, based on the Zillow Home Value Index.
Are home values rising in 12534?
Home values in 12534 are up 4.7% over the past year, and up 7.2% a year over five years.
What is the typical rent in 12534?
A typical home in 12534 rents for about $2,388 a month, a gross rental yield of 6.6%.
What is the property tax rate in 12534?
The effective property tax rate in 12534 is 1.3% — roughly $5,517 a year on a typical home.
Who lives in 12534?
ZIP code 12534 has a population of 17,176 and a median household income of $72,741.

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