Albany County, NY Average Home Price (2026)
The average home price in Albany County, New York is about $339,000 (the 2026 median across 35 ZIP codes, at ~$217/sq ft) — 2% more expensive than the New York median and 17% more expensive than the typical U.S. home.
How Albany County compares
Albany County is about average for housing nationally: its typical home costs $339,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $183,000 to $585,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Albany County | $339,000 | $217 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Cities in Albany County
Cities with their own home-value page, largest first:
Albany County home prices by ZIP code
The 15 most valuable ZIP codes in Albany County (of 35 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 12159 Slingerlands | $585,000 | $258 | +73% |
| 12084 Guilderland | $504,000 | $200 | +49% |
| 12077 Glenmont | $499,000 | $236 | +47% |
| 12211 Albany | $488,000 | $272 | +44% |
| 12054 Delmar | $458,000 | $236 | +35% |
| 12009 Altamont | $428,000 | $239 | +26% |
| 12186 Voorheesville | $423,000 | $239 | +25% |
| 12110 Latham | $410,000 | $280 | +21% |
| 12085 Guilderland Center | $388,000 | $204 | +14% |
| 12067 Feura Bush | $387,000 | $285 | +14% |
| 12158 Selkirk | $372,000 | $267 | +10% |
| 12147 Rensselaerville | $368,000 | $258 | +9% |
| 12207 Albany | $353,000 | $186 | +4% |
| 12204 Menands | $352,000 | $198 | +4% |
| 12059 East Berne | $350,000 | $205 | +3% |
Home value appreciation in Albany County
Home prices in Albany County have risen about 71% over the last 10 years (≈5.5% a year) and +78.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.0% — still rising. A home worth $339,000 today was worth roughly $198,014 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Albany County
Run the numbers for Albany County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Albany County
To buy the typical $339,000 home in Albany County with 20% down, you need a household income of roughly $92,000 a year (about $2,150 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $110,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,000 | $2,670/mo | $115,000/yr |
| 10% (+PMI) | $33,900 | $2,560/mo | $110,000/yr |
| 20% | $67,800 | $2,150/mo | $92,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Albany County
At about $217 per square foot, here is roughly how much home different budgets get you in Albany County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 920 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1150 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1380 sq ft | around the typical home here |
| $400k | 1840 sq ft | around the typical home here |
| $500k | 2300 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Albany County
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Albany County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.