Albany-Schenectady-Troy, NY · New York
Saratoga County
237,075 residents979 permits TTM$99,653 median HHI22 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$324,800
ACS 5-Year
Cap rate proxy
5.0%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.2%
HUD FMR ÷ ACS HHI
Net migration
+2.19%
IRS SOI
Permits (TTM)
979
Census BPS
Climate risk
73.0
FEMA NRI (0–100)
ZIP code breakdown22 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 12831 | — | — | — | 9.2% | — |
| 12086 | — | — | — | 6.3% | — |
| 12822 | — | — | — | 6.2% | — |
| 12020 | — | — | — | 5.9% | — |
| 12835 | — | — | — | 5.6% | — |
| 12803 | — | — | — | 5.5% | — |
| 12871 | — | — | — | 5.2% | — |
| 12074 | — | — | — | 5.0% | — |
| 12863 | — | — | — | 5.0% | — |
| 12884 | — | — | — | 5.0% | — |
| 12850 | — | — | — | 4.8% | — |
| 12188 | — | — | — | 4.4% | — |
| 12859 | — | — | — | 4.3% | — |
| 12170 | — | — | — | 4.2% | — |
| 12151 | — | — | — | 4.0% | — |
| 12027 | — | — | — | 3.9% | — |
| 12065 | — | — | — | 3.9% | — |
| 12866 | — | — | — | 3.9% | — |
| 12833 | — | — | — | 3.8% | — |
| 12118 | — | — | — | 3.5% | — |
| 12019 | — | — | — | 3.4% | — |
| 12148 | — | — | — | 3.0% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
72.2%
Census ACS
Vacancy rate
10.2%
Census ACS
Bachelor's degree +
43.8%
Census ACS
Rent burdened
38.0%
Census ACS (>30% income)
Median age
43.4
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