Median home value in zip code 12203 (Albany, NY) is $321,815, up 3.4% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$321,815

YoY Change

+3.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 12203 (Albany).

Income (annual)

Down Payment

$64,363 on $321,815

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

Stretch35.8% of income

Above 28% but manageable with cuts.

PITI$2,239

P/I35.8%

Afford$252K

Gap-$70K

P&I $1,627Tax $461Ins $150

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

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

Metro Analysis

12203 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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