Median home value in zip code 12144 (Rensselaer, NY) is $302,788, up 3.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$302,788

YoY Change

+3.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 12144 (Rensselaer).

Income (annual)

Down Payment

$60,558 on $302,788

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

Stretch33.8% of income

Above 28% but manageable with cuts.

PITI$2,115

P/I33.8%

Afford$251K

Gap-$52K

P&I $1,531Tax $434Ins $150

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

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

Metro Analysis

12144 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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