Median home value in zip code 12118 (Mechanicville, NY) is $454,450, up 4.4% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$454,450

YoY Change

+4.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 12118 (Mechanicville).

Income (annual)

Down Payment

$90,890 on $454,450

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

Out of reach49.6% of income

Need $132,814/yr to afford.

PITI$3,099

P/I49.6%

Afford$257K

Gap-$198K

P&I $2,298Tax $651Ins $150

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

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

Metro Analysis

12118 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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