Median home value in zip code 12305 (Schenectady, NY) is $278,290, down 2.0% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$278,290

YoY Change

-2.0%

Prices falling — better for buyers.

Affordability

Enter your income for 12305 (Schenectady).

Income (annual)

Down Payment

$55,658 on $278,290

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

Stretch31.3% of income

Above 28% but manageable with cuts.

PITI$1,956

P/I31.3%

Afford$249K

Gap-$29K

P&I $1,407Tax $399Ins $150

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

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

Metro Analysis

12305 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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