Median home value in zip code 12121 (Melrose, NY) is $329,502, up 4.4% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$329,502

YoY Change

+4.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 12121 (Melrose).

Income (annual)

Down Payment

$65,900 on $329,502

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

Out of reach36.6% of income

Need $98,057/yr to afford.

PITI$2,288

P/I36.6%

Afford$252K

Gap-$77K

P&I $1,666Tax $472Ins $150

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

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

Metro Analysis

12121 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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