Median home value in zip code 12188 (Waterford, NY) is $366,703, up 3.2% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$366,703

YoY Change

+3.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 12188 (Waterford).

Income (annual)

Down Payment

$73,341 on $366,703

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

Out of reach40.5% of income

Need $108,429/yr to afford.

PITI$2,530

P/I40.5%

Afford$254K

Gap-$113K

P&I $1,854Tax $526Ins $150

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

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

Metro Analysis

12188 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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