Median home value in zip code 12208 (Albany, NY) is $310,051, up 2.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$310,051

YoY Change

+2.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 12208 (Albany).

Income (annual)

Down Payment

$62,010 on $310,051

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

Stretch34.6% of income

Above 28% but manageable with cuts.

PITI$2,162

P/I34.6%

Afford$251K

Gap-$59K

P&I $1,568Tax $444Ins $150

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

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

Metro Analysis

12208 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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