Median home value in zip code 12863 (Rock City Falls, NY) is $465,919, up 5.9% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$465,919

YoY Change

+5.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 12863 (Rock City Falls).

Income (annual)

Down Payment

$93,184 on $465,919

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

Out of reach50.8% of income

Need $136,029/yr to afford.

PITI$3,174

P/I50.8%

Afford$257K

Gap-$209K

P&I $2,356Tax $668Ins $150

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

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

Metro Analysis

12863 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

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.