Median home value in zip code 12084 (Guilderland, NY) is $478,723, up 6.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$478,723

YoY Change

+6.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 12084 (Guilderland).

Income (annual)

Down Payment

$95,745 on $478,723

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

Out of reach52.1% of income

Need $139,586/yr to afford.

PITI$3,257

P/I52.1%

Afford$257K

Gap-$222K

P&I $2,421Tax $686Ins $150

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

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

Metro Analysis

12084 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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