Most Affordable ZIP Codes in Albany-Schenectady-Troy, NY (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 12202 | Albany, NY | $182,405 | $1,269 | 5.43% | 7.8% |
| 2 | 12307 | Schenectady, NY | $188,610 | $1,500 | 6.20% | 12.3% |
| 3 | 12036 | Charlotteville, NY | $219,638 | $1,206 | 4.28% | 7.3% |
| 4 | 12071 | Fultonham, NY | $222,906 | $1,206 | 4.22% | 6.0% |
| 5 | 12884 | Schuylerville, NY | $224,635 | $1,206 | 4.19% | 5.8% |
| 6 | 12035 | Central Bridge, NY | $227,600 | $1,269 | 4.35% | 7.5% |
| 7 | 12206 | Albany, NY | $228,714 | $1,797 | 6.13% | 7.4% |
| 8 | 12076 | Gilboa, NY | $234,071 | $1,359 | 4.53% | 7.1% |
| 9 | 12090 | Hoosick Falls, NY | $235,284 | $1,206 | 4.00% | 5.7% |
| 10 | 13459 | Sharon Springs, NY | $235,413 | $1,296 | 4.29% | 7.3% |
| 11 | 12194 | West Fulton, NY | $238,624 | $1,206 | 3.94% | 5.7% |
| 12 | 12122 | Middleburgh, NY | $240,387 | $1,206 | 3.91% | 7.4% |
| 13 | 12092 | Howes Cave, NY | $243,184 | $1,296 | 4.16% | 7.3% |
| 14 | 12167 | Stamford, NY | $244,473 | $1,206 | 3.85% | 7.3% |
| 15 | 12175 | Summit, NY | $244,769 | $1,206 | 3.84% | 7.6% |
| 16 | 12183 | Troy, NY | $245,576 | $1,278 | 4.06% | 5.3% |
| 17 | 12149 | Richmondville, NY | $246,975 | $1,206 | 3.81% | 7.6% |
| 18 | 12045 | Coeymans, NY | $258,023 | $1,845 | 5.58% | 5.4% |
| 19 | 12022 | Berlin, NY | $260,529 | $1,539 | 4.61% | 5.0% |
| 20 | 12210 | Albany, NY | $262,826 | $1,460 | 4.33% | 4.8% |
| 21 | 12043 | Cobleskill, NY | $264,380 | $1,206 | 3.56% | 8.0% |
| 22 | 12304 | Schenectady, NY | $265,656 | $1,368 | 4.02% | 7.8% |
| 23 | 12093 | Jefferson, NY | $266,041 | $1,206 | 3.54% | 7.5% |
| 24 | 12308 | Schenectady, NY | $270,166 | $1,339 | 3.87% | 7.7% |
| 25 | 12182 | Troy, NY | $270,726 | $1,422 | 4.10% | 6.7% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in Albany-Schenectady-Troy, NY · Appreciation in Albany-Schenectady-Troy, NY
Or see the full Albany-Schenectady-Troy, NY metro profile.