Median home value in zip code 12066 (Esperance, NY) is $272,261, up 3.7% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$272,261

YoY Change

+3.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 12066 (Esperance).

Income (annual)

Down Payment

$54,452 on $272,261

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

Stretch30.7% of income

Above 28% but manageable with cuts.

PITI$1,917

P/I30.7%

Afford$249K

Gap-$24K

P&I $1,377Tax $390Ins $150

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

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

Metro Analysis

12066 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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