Median home value in zip code 12308 (Schenectady, NY) is $252,842, up 4.2% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$252,842

YoY Change

+4.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 12308 (Schenectady).

Income (annual)

Down Payment

$50,568 on $252,842

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

Stretch28.7% of income

Above 28% but manageable with cuts.

PITI$1,791

P/I28.7%

Afford$247K

Gap-$6K

P&I $1,279Tax $362Ins $150

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

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

Metro Analysis

12308 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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