Median home value in zip code 12169 (Stephentown, NY) is $299,003, up 5.5% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$299,003

YoY Change

+5.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 12169 (Stephentown).

Income (annual)

Down Payment

$59,801 on $299,003

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

Stretch33.4% of income

Above 28% but manageable with cuts.

PITI$2,090

P/I33.4%

Afford$250K

Gap-$49K

P&I $1,512Tax $429Ins $150

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

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

Metro Analysis

12169 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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