Median home value in zip code 12036 (Charlotteville, NY) is $209,072, up 4.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$209,072

YoY Change

+4.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 12036 (Charlotteville).

Income (annual)

Down Payment

$41,814 on $209,072

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

Affordable24.1% of income

Under the 28% guideline.

PITI$1,507

P/I24.1%

Afford$243K

Room+$34K

P&I $1,057Tax $300Ins $150

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

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

Metro Analysis

12036 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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