Albany-Schenectady-Troy, NY · New York
Rensselaer County
ZIP 12123
160,341 residents390 permits TTM$86,663 median HHI26 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$244,300
ACS 5-Year
Cap rate proxy
5.8%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.4%
HUD FMR ÷ ACS HHI
Net migration
+2.25%
IRS SOI
Permits (TTM)
390
Census BPS
Climate risk
82.2
FEMA NRI (0–100)
ZIP 12123
Median home value
—
Gross yield
—
Buy Box score
0.8
Section 8 gap
—
Affordability
P/I: 3.6R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown26 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 12090 | — | — | — | 0.9 | — |
| 12144 | — | — | — | 0.9 | — |
| 12138 | — | — | — | 0.9 | — |
| 12052 | — | — | — | 0.9 | — |
| 12182 | — | — | — | 0.9 | — |
| 12185 | — | — | — | 0.9 | — |
| 12062 | — | — | — | 0.9 | — |
| 12123 | — | — | — | 0.8 | — |
| 12094 | — | — | — | 0.8 | — |
| 12168 | — | — | — | 0.8 | — |
| 12121 | — | — | — | 0.8 | — |
| 12198 | — | — | — | 0.8 | — |
| 12154 | — | — | — | 0.8 | — |
| 12180 | — | — | — | 0.8 | — |
| 12033 | — | — | — | 0.8 | — |
| 12140 | — | — | — | 0.8 | — |
| 12018 | — | — | — | 0.8 | — |
| 12196 | — | — | — | 0.7 | — |
| 12061 | — | — | — | 0.5 | — |
| 12022 | — | — | — | — | — |
| 12040 | — | — | — | — | — |
| 12063 | — | — | — | — | — |
| 12082 | — | — | — | — | — |
| 12153 | — | — | — | — | — |
| 12156 | — | — | — | — | — |
| 12169 | — | — | — | — | — |
Sort by any column. Click a ZIP for detail.
Demographics
Owner-occupied
64.1%
Census ACS
Vacancy rate
11.0%
Census ACS
Bachelor's degree +
37.3%
Census ACS
Rent burdened
43.9%
Census ACS (>30% income)
Median age
40.2
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