Albany-Schenectady-Troy, NY · New York
Schenectady County
ZIP 12302
159,603 residents113 permits TTM$76,989 median HHI12 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$223,100
ACS 5-Year
Cap rate proxy
6.2%
FMR × 0.65 ÷ Home Value
Rent-to-income
18.1%
HUD FMR ÷ ACS HHI
Net migration
+2.07%
IRS SOI
Permits (TTM)
113
Census BPS
Climate risk
71.3
FEMA NRI (0–100)
ZIP 12302
Median home value
—
Gross yield
—
Buy Box score
0.7
Section 8 gap
—
Affordability
P/I: 4.1R/I: 25.1%
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown12 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 12307 | — | — | — | 8.2% | — |
| 12308 | — | — | — | 6.9% | — |
| 12305 | — | — | — | 6.4% | — |
| 12008 | — | — | — | 6.2% | — |
| 12150 | — | — | — | 6.2% | — |
| 12302 | — | — | — | 6.1% | — |
| 12304 | — | — | — | 5.6% | — |
| 12306 | — | — | — | 4.9% | — |
| 12309 | — | — | — | 4.7% | — |
| 12137 | — | — | — | 4.5% | — |
| 12053 | — | — | — | 4.1% | — |
| 12056 | — | — | — | 3.7% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
63.8%
Census ACS
Vacancy rate
6.7%
Census ACS
Bachelor's degree +
35.1%
Census ACS
Rent burdened
49.1%
Census ACS (>30% income)
Median age
39.6
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