Zip lookup · NY

12495
Willow, New York.

Willow, Ulster County, NY · Kingston, NY metro · population 277

What it costs per month · 12495 $3,477/mo

to buy the typical home at today's mortgage rate — +$2,101 (+153%) since Jan 2020.

What the home itself did
1 year
Up $24,847 +4%
$637,607$662,454 since Sep 2025
5 years
Up $104,123 +19%
$558,332$662,454 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$1,000 $2,000 $3,000 2002 2006 2010 2014 2018 2022 2026 12495 $3,477 United States $1,922
$1,000 $2,000 $3,000 2002 2010 2018 2026
  • 12495$3,477
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 20 years.

Typical home values in zip 12495 rose 3.9% over the past year — faster than the nation's +1.2%.

Typical home value $662,454 as of Sep 2026
+3.9%year on year

Typical home value — 12495

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $400,000 $600,000 2018 2020 2022 2024 2026 12495 $662,454 Kingston $451,632 United States $366,157
$200,000 $400,000 $600,000 2018 2022 2026
  • 12495$662,454
  • Kingston$451,632
  • United States$366,157

Within 20 miles

Showing 30 of 58 zips in range — sorting picks from all 58.

Miles sorted ascending, activate to sort descending Zip activate to sort by Zip City activate to sort by City Population activate to sort by Population Rent activate to sort by Rent Home value activate to sort by Home value
2.2 12416 Chichester 106 — $414,683
2.3 12448 Lake Hill 207 — $625,194
2.9 12457 Mount Tremper 1,041 — $628,234
4.0 12450 Lanesville 215 — $391,597
4.4 12409 Bearsville 865 — $765,687
5.1 12412 Boiceville 475 — $445,215
5.8 12464 Phoenicia 1,033 — $414,917
7.1 12433 Glenford 470 — $565,156
7.4 12498 Woodstock 4,572 $2,849 $661,163
7.5 12481 Shokan 1,247 — $463,486
7.7 12480 Shandaken 510 — $359,658
7.9 12427 Elka Park 935 — $440,377
8.6 12492 West Kill 298 — $421,115
9.7 12442 Hunter 537 — $386,981
9.7 12494 West Shokan 934 — $506,064
9.7 12485 Tannersville 1,021 — $403,197
9.7 12491 West Hurley 1,981 — $481,044
10.6 12410 Big Indian 343 — $411,782
11.7 12444 Jewett 576 — $529,145
12.2 12436 Haines Falls 607 — $351,521
12.3 12461 Olivebridge 1,604 — $561,353
12.3 12465 Pine Hill 255 — $415,286
12.5 12424 East Jewett 239 — $415,497
12.6 12477 Saugerties 19,066 $2,123 $417,053
13.2 12443 Hurley 3,559 — $452,082
13.2 12456 Mount Marion 390 — $279,526
13.9 12463 Palenville 1,373 — $338,761
14.2 12401 Kingston 35,136 $1,862 $396,488
14.3 12449 Lake Katrine 3,010 — $365,901
14.9 12454 Maplecrest 266 — $508,926

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.