ZIP Code 12182 — Troy, NY Home Prices (2026)
The typical home in ZIP 12182 (Troy, New York) is worth about $271,000 at roughly $170 per square foot — about the same as the Troy median and 8% more affordable than the typical U.S. home.
How 12182 compares
ZIP 12182 is a mid-priced ZIP code for Troy: its typical home value of $271,000 ranks #2 of the 3 Troy ZIP codes we track (the citywide range runs from $246,000 in 12183 to $316,000 in 12180). Per square foot it costs about $170, against $173 for Troy as a whole, $247 for New York, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 12182 | $271,000 | $170 |
| Troy, NY | $271,000 | $173 |
| New York | $338,000 | $247 |
| United States | $294,000 | $195 |
Home value by size in 12182
Using this ZIP’s rate of about $170 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $170,000 |
| 1,500 sq ft | $255,000 |
| 2,000 sq ft | $340,000 |
| 2,500 sq ft | $425,000 |
| 3,000 sq ft | $510,000 |
Salary needed to buy a home in ZIP 12182
To buy the typical $271,000 home in ZIP 12182 with 20% down, you need a household income of roughly $74,000 a year (about $1,720 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $88,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,600 | $2,140/mo | $92,000/yr |
| 10% (+PMI) | $27,100 | $2,040/mo | $88,000/yr |
| 20% | $54,200 | $1,720/mo | $74,000/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 ZIP 12182
At about $170 per square foot, here is roughly how much home different budgets get you in ZIP 12182:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 880 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1180 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1470 sq ft | around the typical home here |
| $300k | 1760 sq ft | around the typical home here |
| $400k | 2350 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 pre-filled with a typical 12182 home.
Estimate a specific home in 12182
The estimator below is pre-set to ZIP 12182 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Troy ZIP codes by home value
Where 12182 sits among Troy’s 3 ZIP codes:
ZIP 12182 home prices: frequently asked
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See the full Troy home values page, all New York cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.