Counties / New York / Fulton County

Fulton County, NY

FIPS 36035 · population 52,487 · part of Gloversville, NY

$229k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$229k
▲ 7.3% year over year
Zillow ZHVI · direct
Median asking rent
$1,088
n/a year over year
Zillow ZORI · direct
Gross yield
5.7%
annual rent ÷ price, before costs
derived: rent × 12 ÷ price ✓
HUD 2-bed standard
$1,087
market rent is 1.00x the standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

Both annual signals move in the same direction
FHFA five-year cumulative+59.8%not annualized · through 2025
0%ZILLOW ZHVI2026-06+7.3%FHFA HPI2025+10.6%
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$163k
Surveyed gross rent$912
Rent burden 30%+41.4%
Median year built1954
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
18.9%vacant
28,199estimated housing units
Occupied tenure28.6% renter
owner 71.4%renter 28.6%
Structure mix67.2% single-family
Single-family 67.2%20+ units 1.9%Mobile home 8.6%Other 22.4%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs16,182▲ 0.5% from the prior annual release
Covered establishments1,158annual average reporting locations
Average weekly wage$1,100▲ 4.5% from the prior annual release
Largest private supersectorTrade, transportation, and utilities33.3% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS+0.5%WEEKLY WAGE+4.5%Trade, transportation, and utilities33.3%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Fulton County is a yield-versus-carrying-cost underwriting question, best investigated by buyers able to validate taxes, insurance and unit rent; those requiring clear demand depth should be cautious. At Zillow’s June 2026 county observation, median home value was $229,478, median asking rent $1,088 a month, and published gross yield 5.69% before costs. That spread creates a starting screen, not a property-level return.

02Housing economics

Measured rent is separate from HUD’s two-bedroom FMR, which is a payment standard rather than asking-rent evidence; it cannot substitute for the published market rent. The effective property-tax rate is 2.06%, a meaningful subtraction from gross rent and yield, while insurance and maintenance evidence are not published, preventing a net-yield conclusion. Zillow’s county value measure rose 7.28% year over year; the separately labeled 2025 FHFA repeat-transaction HPI rose 10.63%. These distinct methods and vintages support similar direction but cannot be averaged into one growth rate.

03Demand & competition

Realtor.com’s June 2026 MLS listing-market evidence is mixed: active listings rose 11.33% year over year, but median marketing time was 33 days and 14.75% of listings had price reductions. Supply rose while reductions indicate seller concessions; none is a closed-sale price or independent proof of buyer demand. Tax-return movers in exceeded movers out, and average AGI was higher for incoming households; this is household movement, not tenant demand. QCEW’s annual covered-workplace record reports job and wage gains, with Trade, transportation, and utilities the largest disclosed private supersector; it is neither resident employment nor unemployment. The record shows 56 investor purchases among 486 total purchases, or 11.52%, making them a minority of recorded purchases rather than evidence of broad buyer demand.

04Risk & next checks

Inland flood is the dominant hazard, and modeled expected annual building loss is 0.12% of value. That county-level model should be tested against parcel flood exposure, insurance terms and repair reserves, not treated as a property estimate. The record does not publish condition, replacement cost, insurance premium, financing, vacancy, utilities or lease renewal. Those gaps prevent net operating income, debt coverage and flood-adjusted return underwriting; next checks are parcel hazard reports, insurance quotes, tax bills and rent comparables.

Cities & communities

Where people live within Fulton County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Gloversville city15KJohnstown city8.1KDolgeville village*1.9KBroadalbin village1.8KMayfield village1.1KNorthville village1KCaroga Lake CDP448
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

7 Census places

Population
  1. 01
    Gloversville cityIncorporated place
    14,962
  2. 02
    Johnstown cityIncorporated place
    8,111
  3. 03
    Dolgeville villageIncorporated place · spans 2 counties
    1,874
  4. 04
    Broadalbin villageIncorporated place
    1,819
  5. 05
    Mayfield villageIncorporated place
    1,099
  6. 06
    Northville villageIncorporated place
    1,038
  7. 07
    Caroga Lake CDPCensus-designated place
    448

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.122% of building value expected lost per year

Effective property tax2.06%

$3,364 median annual bill

02
DemandIRS SOI household flows
Net migration+39

1,172 in · 1,133 out

Arriving vs leaving income+$255

$57,421 arriving · $57,166 leaving

03
CompetitionHMDA financed purchases
Purchases by investors11.5%

56 of 486 mortgages

investorother financed
Current listing pressure

What sellers and visible supply are doing

Realtor.com® Economic Research · county inventory 2026-06 · pulled 2026-07-28
Active listings143▲ 11.3% year over year
Median days on market33▼ 14.7% year over year
Listings price-reduced14.8%seller-concession signal
Median listing pricen/a▼ 0.0% year over year

Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.

Bear case

What can break the county thesis

  1. Property-level taxes, insurance, maintenance or vacancy could erase the published gross yield.
  2. County migration and listing metrics may not translate to the target neighborhood or rental segment.
  3. Inland-flood exposure can vary materially by parcel and insurance terms are unpublished.
Underwriting questions

Before pricing a property

Can the published data support a net-yield calculation?

No. Property-level insurance, maintenance, vacancy and utilities are not published.

Is HUD two-bedroom FMR a market-rent estimate?

No. It is a payment standard; county median asking rent is separately published.

What does the Realtor.com evidence measure?

Active MLS listings, asking-price conditions, marketing time and price reductions—not closed sales.