Median home value in zip code 12209 (Albany, NY) is $254,642, up 4.0% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$254,642

YoY Change

+4.0%

Prices rising — worse for buyers.

Affordability

Enter your income for 12209 (Albany).

Income (annual)

Down Payment

$50,928 on $254,642

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

Stretch28.8% of income

Above 28% but manageable with cuts.

PITI$1,803

P/I28.8%

Afford$247K

Gap-$7K

P&I $1,288Tax $365Ins $150

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

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

Metro Analysis

12209 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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