Median home value in zip code 12196 (West Sand Lake, NY) is $381K, up 5.7% 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$380,777

YoY Change

+5.7%

AFFORDABILITY

Enter your income for 12196 (West Sand Lake).

Income (annual)

Down Payment

$76,155 on $380,777

Out of reach — 41.9% of income

Need $112,329/yr to afford.

PITI$2,621

P/I41.9%

Afford$254K

Gap-$127K

P&I $1,925Tax $546Ins $150

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

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

Metro Analysis

12196 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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