Median home value in zip code 12121 (Melrose, NY) is $330K, up 4.4% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Albany-Schenectady-Troy, NY metro →

Home Value$329,502

YoY Change

+4.4%

AFFORDABILITY

Enter your income for 12121 (Melrose).

Income (annual)

Down Payment

$65,900 on $329,502

Out of reach — 36.6% 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.

View Albany-Schenectady-Troy, NY analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free