Median home value in zip code 12205 (Albany, NY) is $316,186, up 3.7% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$316,186

YoY Change

+3.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 12205 (Albany).

Income (annual)

Down Payment

$63,237 on $316,186

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

Stretch35.2% of income

Above 28% but manageable with cuts.

PITI$2,202

P/I35.2%

Afford$251K

Gap-$65K

P&I $1,599Tax $453Ins $150

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

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

Metro Analysis

12205 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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