Housing market/New York/ZIP 12095
ZIP 12095 Johnstown, Montgomery County, New York
Montgomery County, NY · New York. Census housing stock, renter economics, HUD SAFMR, LIHTC, and population change. Not a listing page and not a buy/sell score.
ZIP brief
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HUD schedule, ACS stock, and the 90–110% band for ZIP 12095 · NY — sent to you.
ZIP 12095 · NY
ACS rent vs 2BR SAFMR
ZIP 12095 — Johnstown, NY HUD Section 8 Payment Standards / SAFMR →ACS median is all-bedroom occupied rent. SAFMR is the 2-bedroom HCV benchmark.
Housing stock
ACS 2023 units-in-structure · ZCTA 12095
- 1-unit detached3,64962.8%
- 1-unit attached1262.2%
- 2–4 units1,44424.9%
- 5–49 units4006.9%
- 50+ units260.4%
- Mobile1632.8%
2–4 unit share 24.9% · 5–49 unit share 6.9% · combined 2–49 31.7%.
Units by bedrooms
Rent burden
- ACS median gross rent $860 (all bedrooms, occupied rentals).
- Median contract rent $713.
- Renters paying ≥30% of income 37.1%; ≥50% 21.1%.
- FY2027 2BR SAFMR $1,030 (1.198× ACS median gross rent).
Population
12,013 residents · ACS 2023
Change versus the 2018 ACS 5-year estimate: -1.8%.
ACS 5-year estimates lag current construction. This is not a forecast.
Assisted inventory
- LIHTC: 2 projects, 88 units.
- HUD project-based assisted MF: 1 properties, 95 assisted units.
- HCV household counts (Picture of Subsidized Households) are not on this page yet.
New apartment permits
About 2 new apartments in 5+ unit buildings may have been permitted in this ZIP’s share of the county. That is units (doors), not a building count.
Cities and counties report building permits to the Census. Apartment counts are for the whole county, not a project list in this ZIP.
What the data shows
ZIP 12095 33.4% of occupied households are renters; vacancy is 8.9%; ACS median gross rent is $860; population changed -1.8% between the 2018 and 2023 ACS vintages; the housing stock includes 1,444 units in 2–4-unit structures and 400 units in 5–49-unit structures; 2 LIHTC projects totaling 88 units; FY2027 2BR SAFMR is $1,030 versus ACS median gross rent of $860. These figures describe the underlying housing market, not the cash flow of any one property. Asking rents, expenses, condition, taxes, insurance, and the rent roll have to be underwritten separately.
New York research
ZIP 12095 is a Census / HUD profile for Montgomery County, NY. Not a listing page. Brokerage is Georgia; out-of-state work is referral.
ZIP 12095 — Johnstown, NY HUD Section 8 Payment Standards / SAFMR·New York ZIP directory
Nearby ZIPs in this FMR area
Census ZIP areas approximate mail ZIPs. Sources: Census ACS 5-year 2023, HUD FY2027 Small Area FMR, HUD LIHTC and assisted multifamily lists, Census building permits (county). This page is New York research. Brokerage is Georgia.
FAQ
What is the housing market like in ZIP 12095?
ZIP 12095 (Montgomery County, NY) has 12,013 residents, 5,290 households, a renter share of 33.4%, median household income of $69,864, and ACS 2023 median gross rent of $860. Vacancy is 8.9%. These are ZCTA estimates, not a property rent roll.
How much small multifamily housing is in 12095?
ACS counts 1,099 units in 2-unit buildings, 345 in 3–4 unit buildings, 185 in 5–9, 162 in 10–19, and 53 in 20–49. Combined 2–49 unit stock is 1,844 units. This is occupied-and-vacant stock, not listings for sale.
What is the Section 8 rent in 12095?
The Housing Choice Voucher benchmark is the FY2027 Small Area FMR. 2-bedroom SAFMR is $1,030. See the full schedule and 90–110% payment-standard band on the ZIP 12095 — Johnstown, NY HUD Section 8 Payment Standards / SAFMR.
Does this New York ZIP profile include Georgia listings?
No. ZIP 12095 is Census / HUD research for Montgomery County, NY. Jeff Crowe CRE does not list New York property. Licensed brokerage is Georgia. If you use this stock table and then buy in Georgia, live FMLS Residential Income is on multifamily for sale in Georgia.