ZIP Code · NY

ZIP 12701

Part of Monticello, NY

Pop. 12,197·Sullivan County·287th most expensive ZIP in New York

Median rent (all units)

$1,492/mo

Year-over-Year

Stable

Month-over-Month

+8.5%

vs US Median

-$440

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 12701 · $1,492

More affordable than 74% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$990

1 BR

$1,060

2 BR

$1,290

3 BR

$1,790

4 BR+

$1,870

Research median

$1,290/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: September 25, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($57,222) is $1,431 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,290); a 3-bedroom is $1,790.

From Zillow's monthly rent index (ZORI) for ZIP 12701. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$17,904/yr

At $1,492/mo median

Location

CityMonticello

StateNY

CountySullivan County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 0.0% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+0.0% YoY, +8.5% MoM), not inventory.

Demographics

Who lives here

ZIP 12701 (Monticello, NY) is majority renter-occupied, has a large retiree population, has a median income below the national average, 20.4% of residents hold a bachelor's degree or higher.

Population

12,197

Median income

$57,222

Median age

38.4

Renters

63.8%

Age distribution

19.6%

24.5%

22.7%

12.8%

20.4%

Under 1819.6%

18–3424.5%

35–5422.7%

55–6412.8%

65+20.4%

Gender

50.8%

49.2%

Male50.8%

Female49.2%

Race & ethnicity

50.6%

18.1%

28.3%

White50.6%

Black18.1%

Hispanic28.3%

Asian5.2%

Education (25+)

20.6%

32.4%

26.6%

20.4%

No HS diploma20.6%

HS diploma32.4%

Some college26.6%

Bachelor's+20.4%

Housing tenure

36.2%

63.8%

Owner36.2%

Renter63.8%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 12701 in Monticello, NY has changed in 5 years

Income

$49,653 → $57,222

up 15.2%

Population

12,559 → 12,197

down 2.9%

Renter share

51.1% → 63.8%

+12.7 pts

Bachelor's+

22.7% → 20.4%

-2.3 pts

Median age

41.4 → 38.4

-3.0 yrs

Median household income rose from $49,653 to $57,222 between 2021 and 2024, a 15.2% shift. The population has contracted by 2.9% since 2021, moving from about 12,559 residents to roughly 12,197. Renters now make up 63.8% of households, compared with 51.1% five years ago. College-educated residents now make up 20.4% of adults here, versus 22.7% in 2021.

Community

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Local insights

Tips for renters in ZIP 12701

About renting in ZIP 12701

Last updated: September 25, 2026

ZIP code 12701 covers Monticello, NY. The median rent here is $1,492/mo as of September 2026. A 1-bedroom rents for a median of $1,060/mo. A 2-bedroom rents for a median of $1,290/mo.

At 31% of local median household income ($57,222/yr), ZIP 12701 ranks as moderate compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 12701?

To keep rent at or below 30% of gross income, you would need to earn at least $60,000/year (about $29/hour full-time) to afford the median rent of $1,492/mo in ZIP 12701. The local median household income is $57,222/yr, so the typical household falls short of that bar.