Albany-Schenectady-Troy, NY · New York
Saratoga County
237,075 residents979 permits TTM$99,653 median HHI22 ZIP codesUpdated April 28, 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 |
|---|---|---|---|---|---|
| 12086 | — | — | — | 6.2% | 20.9% |
| 12822 | — | — | — | 6.0% | 20.9% |
| 12884 | — | — | — | 5.0% | 20.9% |
| 12835 | — | — | — | 5.4% | 20.9% |
| 12803 | — | — | — | 5.4% | 20.9% |
Ranked by composite score
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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 28, 2026