The median home in Delmar, New York is valued at $425,703, up 6.4% year over year. Typical monthly rent is $2,032, producing a price-to-rent ratio of 17.5x — near the national average of 18x. Delmar is part of the Albany-Schenectady-Troy, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$425,703

+6.4%

Rent$2,032/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$85,141 on $425,703

Example: $75,000 household income. Change it above to see your own.

Out of reach46.6% of income

Need $124,843/yr to afford.

PITI$2,913

P/I46.6%

Afford$256K

Gap-$170K

P&I $2,153Tax $610Ins $150

Renting $881/mo cheaper ($2,032 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Delmar with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full Albany-Schenectady-Troy, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Albany-Schenectady-Troy, NY metro.

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Delmar, NY