Median home value in zip code 12187 (Warnerville, NY) is $263,687, up 4.1% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$263,687

YoY Change

+4.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 12187 (Warnerville).

Income (annual)

Down Payment

$52,737 on $263,687

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

Stretch29.8% of income

Above 28% but manageable with cuts.

PITI$1,861

P/I29.8%

Afford$248K

Gap-$16K

P&I $1,333Tax $378Ins $150

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

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

Metro Analysis

12187 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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