12970
Paul Smiths, New York.
Paul Smiths, Franklin County, NY · Malone, NY metro · population 1,084
to buy the typical home at today's mortgage rate — +$969 (+126%) since Jan 2020.
- 1 year
- Up $22,063 +7%
- $308,630$330,693 since Sep 2025
- 5 years
- Up $80,649 +32%
- $250,044$330,693 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.
- 12970$1,736
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in zip 12970 rose 7.1% over the past year — faster than the nation's +1.2%.
Zillow also publishes an index for the city itself: Paul Smiths, NY — measured over the city limits, which is a different area from this zip.
Typical home value — 12970
Mid-tier homes, smoothed and seasonally adjusted.
- 12970$330,693
- Malone$178,424
- United States$366,157
Within 20 miles
| 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 |
|---|---|---|---|---|---|
| 7.3 | 12976 | Rainbow Lake | 137 | — | $431,022 |
| 9.2 | 12945 | Lake Clear | 391 | — | $311,931 |
| 11.8 | 12983 | Saranac Lake | 7,296 | — | $348,520 |
| 12.2 | 12980 | Saint Regis Falls | 1,075 | — | $97,821 |
| 14.6 | 12989 | Vermontville | 1,110 | — | $255,786 |
| 15.7 | 12913 | Bloomingdale | 989 | — | $260,860 |
| 16.3 | 12973 | Piercefield | 154 | — | $126,364 |
| 16.6 | 12986 | Tupper Lake | 5,326 | — | $218,644 |
| 17.3 | 13672 | Parishville | 449 | — | $135,653 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.