Albany-Schenectady-Troy, NY · New York
Albany County
ZIP 12047
315,374 residents620 permits TTM$83,149 median HHI39 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$277,400
ACS 5-Year
Cap rate proxy
5.4%
FMR × 0.65 ÷ Home Value
Rent-to-income
18.1%
HUD FMR ÷ ACS HHI
Net migration
+2.25%
IRS SOI
Permits (TTM)
620
Census BPS
Climate risk
85.9
FEMA NRI (0–100)
ZIP 12047
Median home value
—
Gross yield
—
Buy Box score
0.9
Section 8 gap
—
Affordability
P/I: 3.9R/I: 26.1%
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown39 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 12202 | — | — | — | 9.7% | — |
| 12206 | — | — | — | 9.4% | — |
| 12204 | — | — | — | 7.5% | — |
| 12207 | — | — | — | 7.4% | — |
| 12210 | — | — | — | 6.8% | — |
| 12183 | — | — | — | 6.7% | — |
| 12047 | — | — | — | 6.7% | — |
| 12208 | — | — | — | 6.2% | — |
| 12203 | — | — | — | 6.2% | — |
| 12189 | — | — | — | 6.1% | — |
| 12085 | — | — | — | 6.1% | — |
| 12209 | — | — | — | 5.9% | — |
| 12054 | — | — | — | 5.6% | — |
| 12303 | — | — | — | 5.5% | — |
| 12007 | — | — | — | 5.4% | — |
| 12041 | — | — | — | 5.4% | — |
| 12045 | — | — | — | 5.4% | — |
| 12046 | — | — | — | 5.4% | — |
| 12120 | — | — | — | 5.4% | — |
| 12147 | — | — | — | 5.4% | — |
| 12161 | — | — | — | 5.4% | — |
| 12222 | — | — | — | 5.4% | — |
| 12226 | — | — | — | 5.4% | — |
| 12460 | — | — | — | 5.4% | — |
| 12469 | — | — | — | 5.4% | — |
| 12143 | — | — | — | 5.4% | — |
| 12023 | — | — | — | 5.0% | — |
| 12193 | — | — | — | 4.9% | — |
| 12205 | — | — | — | 4.8% | — |
| 12059 | — | — | — | 4.7% | — |
| 12158 | — | — | — | 4.3% | — |
| 12067 | — | — | — | 4.1% | — |
| 12110 | — | — | — | 3.9% | — |
| 12009 | — | — | — | 3.8% | — |
| 12186 | — | — | — | 3.7% | — |
| 12211 | — | — | — | 3.3% | — |
| 12077 | — | — | — | 3.2% | — |
| 12084 | — | — | — | 3.1% | — |
| 12159 | — | — | — | 2.7% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
56.7%
Census ACS
Vacancy rate
9.7%
Census ACS
Bachelor's degree +
45.2%
Census ACS
Rent burdened
43.1%
Census ACS (>30% income)
Median age
38.3
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026