ZIP 12134· Fulton County· Gloversville, NY· 4,093 residents· Median income $70,938· Balanced
12134 · Northville, NY has a HavenScore of 42 — affordability is the drag — prices are stretched against local incomes.
At the ZIP's typical value, the estimated monthly payment takes 38% of the local median income (Zillow, US Census ACS) and runs $920 a month more than the median rent (Zillow ZORI). The buyer/seller gauge reads balanced. Typical values were flat over the last 90 days (Zillow ZHVI).
Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.
Zillow ZHVI peaked at $328,205 in Jul 2026; the latest value is -0.6% from that peak, 1 months on. Since January 2019 it is +94.5%. The sharpest 12-month move was +1.1%, ending Jul 2023.
HavenScore: higher than 16% of scored ZIPs.Higher than 16% of scored ZIPs
0 / 90d#10/11 in NYBuyer Score
Rank
This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.
Switch perspective
Buyer view active — Leans harder on affordability and downside risk.
Score inputs below recompute for this view
Affordability
31/100
Growth
49/100
Risk
53/100
Momentum
53/100
Livability
24/100
Score · trailing 12 mo
48 → 41
-7 points
30-day
-1
90-day
0
1-yr
-7
01
Snapshot
Numbers at a glance, with a year of history under each
Median price
$326,278
▲up+6.6% 12 mo
Typical home value across the middle tier of homes here — a smoothed Zillow index, steadier than individual sale prices.
Median price: higher than 46% of scored ZIPs.Higher than 46% of scored ZIPs
Twelve-month trend shown as a sparkline; the newest value is $326,278.
Median rent
$1,340
Typical monthly rent (Zillow ZORI, with HUD fair-market rent filling in for smaller markets).
Median rent: higher than 17% of scored ZIPs.Higher than 17% of scored ZIPs
Price-to-income
4.6×
Median home value divided by median household income. Under 4× has historically been comfortable; over 5× stretches most budgets.
Price-to-income: higher than 57% of scored ZIPs.Higher than 57% of scored ZIPs
Est. monthly payment
$2,260
At the median value with 20% down, a 30-year fixed at 7.28%, plus property tax and insurance.
Est. monthly payment: higher than 49% of scored ZIPs.Higher than 49% of scored ZIPs
Active listings
19
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 16% of scored ZIPs.Higher than 16% of scored ZIPs
Twelve-month trend shown as a sparkline; the newest value is 19.
Days on market
95
How long the typical listing sits before going under contract. Shorter means a tighter market; longer means more room to negotiate.
Days on market: higher than 94% of scored ZIPs.Higher than 94% of scored ZIPs
Twelve-month trend shown as a sparkline; the newest value is 95.
Price cuts
+27.59%
Share of active listings that have lowered their asking price. Rising cuts usually precede softening values.
Twelve-month trend shown as a sparkline; the newest value is +27.59%.
Median income
$70,938
Median household income here, from the latest US Census American Community Survey.
Population
4,093
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 4,093.
Overvaluation
+99.13%
How far today's values sit above the long-run price trend. Positive means stretched; negative means discounted versus trend.
Vacancy
39.9%
Above-average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
77%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
28.1%
Above-average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
754
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
-12.9%
net outflow. Net migration as a share of population, from IRS SOI county-to-county migration data. Positive = more people moving in than out.
Income inflow
$57k
average. Average gross income of households moving INTO this ZIP, from IRS SOI data. Higher = ZIP attracting higher-income households.
02
Place
What it is like to live here, and what could flood or burn
Place profile
WalkabilityLeast walkable
EPA index 3.7 of 20 · EPA Smart Location Database · Jun 2021 · above 4% of scored ZIPs
Transit accessNo transit data
EPA publishes no stop distance for most block groups
Typical commuteLonger commute than typical
31 minutes one way · US median ZIP 22 · US Census ACS · above 6% of scored ZIPs
Jobs nearbyFew jobs nearby
3 jobs per sq mi · US Census LODES · above 1% of scored ZIPs
Physical riskRelatively Low (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 80% of scored ZIPs
Bands are each source’s own · tick marks the national median ZIP · not blended into the score
Hazard ledger · FEMA National Risk Index
Composite
◆
Relatively Low · county 41
Flood
score 71 · above 56% of ZIPs · county 71
Wildfire
score 55 · above 36% of ZIPs · county 69
Hurricane
score 52 · above 49% of ZIPs · county 59
Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 11 scored ZIPs in Fulton County
Housing cost burden · US Census ACS
Owners spending over 50% of income3%
US median ZIP 6%
Renters spending over 30% of income28%
US median ZIP 45%
03
What drives the score
Five pillars, each scored 0–100
Affordability
31/100
Growth momentum
49/100
Market risk
53/100
Momentum
53/100
Livability
24/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
3.7
Transit access
Ranked against every scored ZIP·EPA Smart Location Database
—
Job density
Jobs per square mile, ranked against every scored ZIP·US Census LODES
2.9
See every input behind the pillars, with its value and source
Inside: Affordability: Price-to-income, Property tax rate, Median income · Growth momentum: 12-month price change, 12-month rent change, Population · Market risk: Overvaluation, Active listings, Price cuts · Momentum: Days on market, Buyer / seller gauge, Demand dial
Fair conditions. Negotiation typical for the area.
0
Strong buyerBalancedStrong seller
Trend
→Heating toward seller
Gauge since Mar 2026Leaning Seller now
Mar
Apr
May
Jun
Jul
Aug
Sep
Buyer’sBalancedSeller’s
Cycle read. Cooling: prices +6.6% over the trailing year, with the market leaning toward buyers.
Asking vs closed
Typical value (index)
$326,278
Zillow ZHVI · Oct 2026
Median sale price
—
Redfin
Sale-to-list
—
Redfin
Sold above list
—
Redfin
The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown. Redfin does not publish every ZIP every month; a dash means no closed-sale figure for the latest month.
05
Momentum check
What's changed in the last 90 days
🔒 Haven
Locked
Median price
——
🔒 Haven
Locked
Inventory
——
🔒 Haven
Locked
Days on market
——
Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad
Pulse signals unlock with Haven, plus a one-line market interpretation.
The 90-day numbers behind each tile open with Haven
06
Trend
Where it's been
Peak
$328,205
Jul 2026
From peak
-0.6%
1 mo ago
Since Jan 2019
+94.5%
Worst 12 mo
+1.1%
to Jul 2023
Best 12 mo
+22.4%
since 2018
Zillow ZHVI peaked at $328,205 in Jul 2026; the latest value is -0.6% from that peak, 1 months on. Since January 2019 it is +94.5%. The sharpest 12-month move was +1.1%, ending Jul 2023.
Cycle position — prices vs the model’s value estimate and the payment’s share of income vs five years ago — opens with Pro
Appreciation by window
Zillow ZHVI · rank among scored ZIPs
Window
Change
Per year
US rank
New York rank
1 year
▲up+6.6%
+6.6%/yr
Top 9% nationally
Top 24% in New York
3 years
▲up+18.2%
+5.7%/yr
Top 9% nationally
Higher than 64% in New York
5 years
▲up+37.7%
+6.6%/yr
Top 10% nationally
Top 24% in New York
10 years
▲up+99.9%
+7.2%/yr
Top 24% nationally
Top 22% in New York
Since 2000
▲up+319.7%
+5.5%/yr
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—
Starter homes vs the top tier
Zillow ZHVI tiers · Aug 2026
Bottom third (starter homes)
$188,016
▲up+47% 5Y▲up+129% 10Y
Middle third
$326,278
▲up+42% 5Y▲up+106% 10Y
Top third
$562,554
▲up+38% 5Y▲up+93% 10Y
Starter homes here rose 47% in five years while top-tier homes rose 38% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.
3-bedroom homes here run 18% above 2-bedrooms (Zillow ZHVI by bedroom); the NY median premium is 27%.
The historical reading — which months run highest and lowest here — opens with Haven
Rent, inventory, days on market, Zillow’s market heat, the % view and state and US reference lines open with Haven
07
Forecast
Where it's heading
The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.
Price Forecast
3-month projection · 80% range
🔒 Haven
3-month shown | 6 & 12 months with Haven →
3-month
$320,960
-1.6%
80% range $314.6K–$329.6K
6-month
🔒 Haven
12-month
🔒 Haven
Of the 3-month ranges we published since December 2025, 54% contained the actual price. Track record →
6- and 12-month projections, their 80% ranges, and what moves the forecast unlock with Haven.
Zillow's own published forecast has this ZIP's typical value rise 2.3% over the twelve months from August 2026 (Zillow Home Value Forecast).
Forecasts are the model’s projection, not a prediction. Actuals will differ.
See the 6- and 12-month price ranges for this ZIP and what moves the forecast
Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $1,116 a year (Treasury Federal Insurance Office).
Payment share of income
0%28%36%50%70%+
38%of the ZIP’s median income at the median value ($2,260/mo against $70,938 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.
Price-to-income · ZIP vs state vs US
This ZIP
4.6×
NY median ZIP
5.2×
US median ZIP
4.3×
Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable
09
Run the numbers
Your price, rate, down payment and income
Like for like: a 3-bedroom here rents for about $1,620 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $362k (Zillow ZHVI by bedroom) — a 5.4% gross rent yield.
Cost of ownership over time
Cumulative housing cost, interest paid, and equity built · 20% down · ZIP median income $70,938
See the 1-, 5-, and 30-year cost of owning here
Inside: Total housing cost · Interest paid · Principal paid · Equity built
ZIPs the score groups near 12134 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).
Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.
Data-driven market takes and the week's biggest ZIP movers, every Tuesday. Want this ZIP specifically? Save it to your account — saved ZIPs get a monthly digest of what changed.