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Troy city, NY

ZIP 12182 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12182

Median Home Value
$195,300
Median Rent
$868
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,255/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 12182 in Troy city, NY, a household would need roughly $54,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,255. That is roughly in line with the local median household income ($54,663). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
50.0%-24% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
38.5%+1% vs US avg
x
$195,300
Home Value
$868
Rent
1943
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached37.0%
  • 1-unit attached5.2%
  • 2-9 units44.2%
  • 10+ units11.6%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$195,300
Median rent$868
Owner-occupied50.0%
Vacant9.7%
Price-to-income3.6x
Est. income to buy$54,000