Median home value in zip code 12023 (Berne, NY) is $299,705, up 2.8% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$299,705

YoY Change

+2.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 12023 (Berne).

Income (annual)

Down Payment

$59,941 on $299,705

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

Stretch33.5% of income

Above 28% but manageable with cuts.

PITI$2,095

P/I33.5%

Afford$250K

Gap-$49K

P&I $1,515Tax $430Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Metro Analysis

12023 is part of the Albany-Schenectady-Troy, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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