Sep 2026
$500K
+4.7% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Kingston, NY housing market
Kingston, NY metro median sale price $500K in Sep 2026, up 4.7% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Kingston, NY metro is $500K as of Sep 2026, up 4.7% from a year earlier. The gain is larger than in most of the 193 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a smaller change, up 2.6% through Q2 2026, 2.1 points apart; Price reconciliation below shows both.
On median sale price, Kingston ($500K) ranks 3rd of the seven New York metros Pecan Street tracks, between Poughkeepsie / Newburgh ($506K) and Albany ($371K). Kingston has the most median days on market of the seven New York metros (64 days), ahead of Poughkeepsie / Newburgh (58 days). On share of listings with a price cut, Kingston (29%) ranks 3rd of the seven New York metros, between Buffalo (35%) and Syracuse (27%).
Listings spent a median 64 days on market in Sep 2026, more than in most of the 195 metros. 29% of active listings carry a price cut, 1.4 points fewer than a year earlier. That share is lower than in most of the 195 metros. Building permits authorized 33 new housing units in Aug 2026.
At the 7.38% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $2,763 a month; at 28% of gross income, that takes about $118K a year. The median sale price equals about 18 years of HUD Fair Market Rent, a ratio up 3.0% from a year earlier. That ratio is higher than in most of the 193 metros. Active listings ask a median $314 per square foot, up 7.5% from a year earlier.
In seven of the nine ZIP codes in the table below, median list prices are higher than a year earlier; two are lower.
Headline
Oct 14, 2026
7.38%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$2,763/mo
$118K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Kingston compares to other U.S. metros
| Price cuts | ↓165th of 195 |
|---|---|
| Price-to-rent | ↑37th of 193 (top 20%) |
| Home-price growth | ↑43rd of 193 (top 23%) |
| Days on market | ↑61st of 195 (top 32%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 18 +3.0% YoY ↑37th of 193 (top 20%) |
|---|---|
| Asking price / sq ft | $314 +7.5% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 29% -1.4 pts YoY ↓165th of 195 |
|---|---|
| New housing units permitted | 33 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 9 shown of 53 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Recent notable readings
- Zillow home values were lower than a year earlier in none ZIP codes across the Kingston metro (Aug 2026): the 14th-lowest share among the 174 U.S. metros Pecan Street tracks with enough ZIP-level data to compare.
Readings from the latest data that sit at one end of the U.S. metros Pecan Street tracks, from the nightly cross-metro comparison. They are not signal alerts.
Price reconciliation
amber · 2.1ppRedfin (metro) +4.7% | FHFA HPI · Q2 2026 +2.6% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Track Kingston, NY with Pecan Street
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 12401 | $442K↓ | 108 | 46↑ | 40↓ | 48↓ | $397K↑ |
| 12428 | $365K↑ | 26↑ | 8↑ | 10↑ | 71↓ | $313K↑ |
| 12446 | $683K↑ | 40↓ | 10 | 16 | 67↓ | $416K↑ |
| 12477 | $584K↑ | 91↑ | 30↓ | 30↓ | 64↓ | $418K↑ |
| 12498 | $889K↑ | 36↑ | 16↓ | 10↓ | 97↑ | $663K↑ |
| 12528 | $545K↑ | 46↑ | 18↓ | 8↑ | 39↓ | $442K↑ |
| 12561 | $612K↓ | 47↓ | 24↑ | 10↑ | 50↑ | $545K↑ |
| 12566 | $520K↑ | 36↑ | 12↑ | 4↓ | 68↓ | $457K↑ |
| 12589 | $616K↑ | 41↓ | 12↓ | 10↑ | 51↓ | $490K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.