Median home value in zip code 12304 (Schenectady, NY) is $246,794, up 3.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$246,794

YoY Change

+3.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 12304 (Schenectady).

Income (annual)

Down Payment

$49,359 on $246,794

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

Stretch28% of income

Above 28% but manageable with cuts.

PITI$1,752

P/I28%

Afford$247K

Gap-$282

P&I $1,248Tax $354Ins $150

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

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

Metro Analysis

12304 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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