Median home value in zip code 12180 (Troy, NY) is $293K, up 3.7% 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$292,753

YoY Change

+3.7%

AFFORDABILITY

Enter your income for 12180 (Troy).

Income (annual)

Down Payment

$58,551 on $292,753

Stretch — 32.8% of income

Above 28% but manageable with cuts.

PITI$2,050

P/I32.8%

Afford$250K

Gap-$43K

P&I $1,480Tax $420Ins $150

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

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Metro Analysis

12180 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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