Median home value in zip code 12076 (Gilboa, NY) is $220,020, up 1.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$220,020

YoY Change

+1.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 12076 (Gilboa).

Income (annual)

Down Payment

$44,004 on $220,020

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

Affordable25.2% of income

Under the 28% guideline.

PITI$1,578

P/I25.2%

Afford$244K

Room+$24K

P&I $1,113Tax $315Ins $150

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

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

Metro Analysis

12076 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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