HousingHandbookReference data

U.S. ZIP Code · NY12589

Ulster County · Kingston, NY

Typical home value

$471,747[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+4.6%
5-year / yr
+7.4%
10-year / yr
+7.5%

Relative price

vs U.S.
+66.1%
vs metro
+7.8%
vs state
+48.1%
ZIP 12589 location in NY
Location of ZIP 12589 in NY

Price history

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

The typical home in 12589 is worth $471,747 — 7.8% above the Kingston, NY median. Over the past year, values have risen 4.6%. 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
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

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

Effective tax rate
2.0%[3]
Typical annual tax
$9,326[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
18,646[3]
Median household income
$120,815[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
2
Middle
1
High
1
  • WALLKILL SENIOR HIGH SCHOOL

    High · Grades 9–12 · WALLKILL CENTRAL SCHOOL DISTRICT

    983 students

  • OSTRANDER ELEMENTARY SCHOOL

    Elementary · Grades PK–6 · WALLKILL CENTRAL SCHOOL DISTRICT

    475 students

  • LEPTONDALE ELEMENTARY SCHOOL

    Elementary · Grades K–6 · WALLKILL CENTRAL SCHOOL DISTRICT

    468 students

  • JOHN G BORDEN MIDDLE SCHOOL

    Middle · Grades 7–8 · WALLKILL CENTRAL SCHOOL DISTRICT

    432 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 yield
Net yield (after ~40% expenses)
Annual rent

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$2,385
Loan principal$377,397
Down payment$94,349
Total interest paid$481,350

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 ratio
Monthly cost to own$3,557
Monthly rent

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
71st percentile[1]
Rental yield
[2]
Property tax
81st percentile[3]

Frequently asked

How much is a home worth in ZIP code 12589?
The typical home in 12589 is worth $471,747, based on the Zillow Home Value Index.
Are home values rising in 12589?
Home values in 12589 are up 4.6% over the past year, and up 7.4% a year over five years.
What is the property tax rate in 12589?
The effective property tax rate in 12589 is 2.0% — roughly $9,326 a year on a typical home.
Who lives in 12589?
ZIP code 12589 has a population of 18,646 and a median household income of $120,815.

#Comparable ZIPs

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

  • West Hurley CDP, NY

    Typical home
    $467,256
    Gross yield
  • Milton CDP, NY

    Typical home
    $464,131
    Gross yield
  • Marlboro CDP, NY

    Typical home
    $457,316
    Gross yield
    6.9%
  • NY

    Typical home
    $486,654
    Gross yield
  • High Falls CDP, NY

    Typical home
    $492,094
    Gross yield
  • NY

    Typical home
    $451,178
    Gross yield

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