Median home value in zip code 12206 (Albany, NY) is $208,846, up 4.8% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$208,846

YoY Change

+4.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 12206 (Albany).

Income (annual)

Down Payment

$41,769 on $208,846

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

Affordable24.1% of income

Under the 28% guideline.

PITI$1,505

P/I24.1%

Afford$243K

Room+$34K

P&I $1,056Tax $299Ins $150

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

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

Metro Analysis

12206 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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