Median home value in zip code 12054 (Delmar, NY) is $429,313, up 6.3% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$429,313

YoY Change

+6.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 12054 (Delmar).

Income (annual)

Down Payment

$85,863 on $429,313

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

Out of reach47% of income

Need $125,829/yr to afford.

PITI$2,936

P/I47%

Afford$256K

Gap-$173K

P&I $2,171Tax $615Ins $150

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

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

Metro Analysis

12054 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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