Albany-Schenectady-Troy, NY · New York
Albany County
315,374 residents620 permits TTM$83,149 median HHI39 ZIP codesUpdated April 28, 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 code breakdown39 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 12183 | — | — | — | 6.5% | 26.4% |
| 12202 | — | — | — | 8.8% | 24.6% |
| 12210 | — | — | — | 6.7% | 14.9% |
| 12045 | — | — | — | 5.4% | 26.4% |
| 12209 | — | — | — | 5.8% | 26.4% |
Ranked by composite score
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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 28, 2026