Median home value in zip code 12092 (Howes Cave, NY) is $223,424, up 4.5% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$223,424

YoY Change

+4.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 12092 (Howes Cave).

Income (annual)

Down Payment

$44,685 on $223,424

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

Affordable25.6% of income

Under the 28% guideline.

PITI$1,600

P/I25.6%

Afford$244K

Room+$21K

P&I $1,130Tax $320Ins $150

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

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

Metro Analysis

12092 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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