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Albany city, NY

ZIP 12210 — 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 12210

Median Home Value
$217,500
Median Rent
$1,005
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,397/mo PITI).

22%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

18.0 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 12210 in Albany city, NY, a household would need roughly $60,000 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 $1,397. That is roughly in line with the local median household income ($55,873). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
24.1%-63% vs US avg
x
Vacancy Rate
18.4%+79% vs US avg
x
Broadband Access
84.8%-3% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
6.2%-52% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
23.6%-52% vs US avg
x
Mortgage-Free
50.9%+33% vs US avg
x
$217,500
Home Value
$1,005
Rent
1938
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached3.1%
  • 1-unit attached11.4%
  • 2-9 units61.6%
  • 10+ units23.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$217,500
Median rent$1,005
Owner-occupied24.1%
Vacant18.4%
Price-to-income3.9x
Est. income to buy$60,000