Median home value in zip code 12047 (Cohoes, NY) is $323,321, up 2.5% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$323,321

YoY Change

+2.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 12047 (Cohoes).

Income (annual)

Down Payment

$64,664 on $323,321

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

Stretch36% of income

Above 28% but manageable with cuts.

PITI$2,248

P/I36%

Afford$252K

Gap-$72K

P&I $1,635Tax $463Ins $150

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

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

Metro Analysis

12047 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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