Median home value in zip code 12309 (Schenectady, NY) is $392,551, up 5.3% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$392,551

YoY Change

+5.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 12309 (Schenectady).

Income (annual)

Down Payment

$78,510 on $392,551

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

Out of reach43.2% of income

Need $115,629/yr to afford.

PITI$2,698

P/I43.2%

Afford$255K

Gap-$138K

P&I $1,985Tax $563Ins $150

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

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

Metro Analysis

12309 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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