Median home value in zip code 12154 (Schaghticoke, NY) is $337,757, up 4.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$337,757

YoY Change

+4.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 12154 (Schaghticoke).

Income (annual)

Down Payment

$67,551 on $337,757

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

Out of reach37.5% of income

Need $100,371/yr to afford.

PITI$2,342

P/I37.5%

Afford$252K

Gap-$85K

P&I $1,708Tax $484Ins $150

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

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

Metro Analysis

12154 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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