columbia-county · New York
Columbia County
ZIP 12195
61,245 residents142 permits TTM$83,619 median HHI31 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$309,800
ACS 5-Year
Cap rate proxy
4.6%
FMR × 0.65 ÷ Home Value
Rent-to-income
17.2%
HUD FMR ÷ ACS HHI
Net migration
+1.72%
IRS SOI
Permits (TTM)
142
Census BPS
Climate risk
68.7
FEMA NRI (0–100)
ZIP 12195
Median home value
—
Gross yield
—
Buy Box score
—
Section 8 gap
—
Affordability
P/I: 3.7R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown31 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 12534 | — | — | — | 7.1% | — |
| 12017 | — | — | — | 4.6% | — |
| 12024 | — | — | — | 4.6% | — |
| 12115 | — | — | — | 4.6% | — |
| 12130 | — | — | — | 4.6% | — |
| 12132 | — | — | — | 4.6% | — |
| 12136 | — | — | — | 4.6% | — |
| 12165 | — | — | — | 4.6% | — |
| 12172 | — | — | — | 4.6% | — |
| 12174 | — | — | — | 4.6% | — |
| 12195 | — | — | — | 4.6% | — |
| 12503 | — | — | — | 4.6% | — |
| 12517 | — | — | — | 4.6% | — |
| 12530 | — | — | — | 4.6% | — |
| 12544 | — | — | — | 4.6% | — |
| 12565 | — | — | — | 4.6% | — |
| 12173 | — | — | — | 3.9% | — |
| 12125 | — | — | — | 3.9% | — |
| 12523 | — | — | — | 3.6% | — |
| 12184 | — | — | — | 3.4% | — |
| 12513 | — | — | — | 3.3% | — |
| 12516 | — | — | — | 3.2% | — |
| 12106 | — | — | — | 3.2% | — |
| 12521 | — | — | — | 3.0% | — |
| 12037 | — | — | — | 3.0% | — |
| 12029 | — | — | — | 2.9% | — |
| 12075 | — | — | — | 2.8% | — |
| 12060 | — | — | — | 2.7% | — |
| 12502 | — | — | — | 2.7% | — |
| 12526 | — | — | — | 2.7% | — |
| 12529 | — | — | — | 2.6% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
75.4%
Census ACS
Vacancy rate
21.7%
Census ACS
Bachelor's degree +
38.1%
Census ACS
Rent burdened
45.3%
Census ACS (>30% income)
Median age
49.5
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026