Median home value in zip code 12304 (Schenectady, NY) is $247K, up 3.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Albany-Schenectady-Troy, NY metro →

Home Value$246,794

YoY Change

+3.9%

AFFORDABILITY

Enter your income for 12304 (Schenectady).

Income (annual)

Down Payment

$49,359 on $246,794

Stretch — 28% of income

Above 28% but manageable with cuts.

PITI$1,752

P/I28%

Afford$247K

Gap-$0K

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.

View Albany-Schenectady-Troy, NY analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free