The story of this market
The typical home in ZIP 36039 sells for about $150,000, or $140 per square foot.
Prices are up +2.5% from a year ago, so sellers still have some momentum. Homes take about 85 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,100 a month.
ZIP 36039 — Hardaway
The housing market in 36039 remains stable with low inventory and modest price growth. Market activity is driven by local demand and seasonal interest, with limited new construction impacting supply.
This area is best suited for retirees, outdoor enthusiasts, and those seeking a rural lifestyle, as it offers limited immediate access to major urban employment centers.
Median prices moved up 2.5% year over year.
Homes spend a median of 85 days on market with 6.0 months of supply — a balanced-paced market.
15% of listings have cut prices · homes sell at 96% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 31.0% · poverty 18.1% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 1.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 36039, Greene County NY
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Not determinable at the ZIP level; county-wide data indicates rural safety profiles consistent with regional New York averages.
Not determinable; local school quality varies significantly across the rural districts serving this geography.
The area faces moderate risks from seasonal flooding and winter weather events, typical of the Catskill region.
Economic momentum is driven by tourism, outdoor recreation, and small-scale local services, with limited large-scale industrial development.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Alabama) — Class 3 Residential Property Tax Assessment: Residential property is classified as Class 3 and assessed at 10 percent of its fair market value. A standard homestead exemption applies to the 6.5 mill statewide property tax on the first $4,000 of assessed valuation. State (Alabama) — Standard State Ad Valorem Homestead Exemption: Exempts up to $4,000 in assessed valuation from the 6.5 mill state ad valorem tax levy (providing a maximum direct state tax reduction of $26.00). Formula: Adjusted State Tax = Max(0, (Assessed Value - $4,000)) × 0.0065. State (Alabama) — Statewide Ad Valorem Property Tax and Class III Residential Assessment Ratio: Establishes a baseline 6.5 statewide millage rate ($0.0065 per dollar of assessed value) under Ala. Code § 40-8-1 and the Alabama Constitution.
Commuting is primarily car-dependent, with residents often traveling to regional employment hubs in the Hudson Valley or Albany area.
The area offers extensive access to outdoor recreation, including hiking trails, state parks, and proximity to Catskill Mountain attractions.
The rental market is characterized by low inventory and high demand for seasonal housing, with limited multi-family development.
The economy is primarily supported by tourism, hospitality, and local government services.
Transportation is heavily reliant on private vehicles, with limited public transit infrastructure available.
Development is generally limited to small-scale residential and commercial projects consistent with rural zoning.
The county appraisal district manages assessments based on market value, with periodic reassessments conducted by local municipalities.
Parcels are subject to school district, county, and town taxes, with occasional special districts for fire protection or water services.
Property insurance premiums are influenced by regional wildfire and flood risk profiles, with availability generally stable.
Net domestic migration has been slightly negative, reflecting broader regional trends in upstate New York.
New York is a judicial foreclosure state, requiring court intervention for the foreclosure process.
Sellers are required to provide a property condition disclosure statement or pay a credit to the buyer at closing.
Data aggregated from US Census Bureau and Data Commons for Greene County.
Large state park offering extensive hiking and outdoor recreation.
Small-scale retail and dining districts serving local communities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.