How much is a home worth in ZIP code 12020?

The typical home in 12020 is worth $430,839, based on the Zillow Home Value Index.

Are home values rising in 12020?

Home values in 12020 are up 5.0% over the past year, and up 6.2% a year over five years.

What is the typical rent in 12020?

A typical home in 12020 rents for about $1,999 a month, a gross rental yield of 5.6%.

What is the property tax rate in 12020?

The effective property tax rate in 12020 is 1.3% — roughly $5,389 a year on a typical home.

ZIP code 12020 has a population of 34,937 and a median household income of $107,112.

HousingHandbookReference data

…

U.S. ZIP Code · NY12020

Saratoga County · Albany-Schenectady-Troy, NY

Typical home value

$430,839^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +5.0%
5-year / yr: +6.2%
10-year / yr: +5.2%

Relative price

vs U.S.: +51.7%
vs metro: +35.1%
vs state: +35.2%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 12020 is worth $430,839 — 35.1% above the Albany-Schenectady-Troy, NY median. Over the past year, values have risen 5.0%. Homes here rent for a typical $1,999 a month — a 5.6% gross rental yield. The effective property tax rate is 1.3%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $1,999^[2]
Gross yield: 5.6%^[2]
Cap rate: 3.3%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 1.3%^[3]
Typical annual tax: $5,389^[3]

#Climate risk

FEMA National Risk Index ratings for Saratoga County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Low^[4]
Riverine flood: Relatively Moderate
Coastal flood: Not Applicable
Wildfire: Very Low
Drought: No Rating
Heat wave: Relatively Low
Hurricane: Relatively Low
Tornado: Relatively Moderate
Earthquake: Relatively Low
Winter weather: Relatively Low

#Who lives here

Population: 34,937^[3]
Median household income: $107,112^[3]

#Migration

Household moves in and out of Saratoga County over a year, from IRS tax-return data.

Net migration: +265^[5]
Moved in: 6,840
Moved out: 6,575

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 6
Elementary: 4
Middle: 1
High: 1

BALLSTON SPA SENIOR HIGH SCHOOL
High · Grades 9–12 · BALLSTON SPA CENTRAL SCHOOL DISTRICT
1,288 students
BALLSTON SPA MIDDLE SCHOOL
Middle · Grades 6–8 · BALLSTON SPA CENTRAL SCHOOL DISTRICT
897 students
WOOD ROAD ELEMENTARY SCHOOL
Elementary · Grades K–5 · BALLSTON SPA CENTRAL SCHOOL DISTRICT
494 students
GORDON CREEK ELEMENTARY SCHOOL
Elementary · Grades K–5 · BALLSTON SPA CENTRAL SCHOOL DISTRICT
452 students
MILTON TERRACE ELEMENTARY SCHOOL
Elementary · Grades K–5 · BALLSTON SPA CENTRAL SCHOOL DISTRICT
394 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield5.6%

Net yield (after ~40% expenses)3.3%

Annual rent$23,994

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$2,179

Loan principal$344,671

Down payment$86,168

Total interest paid$439,609

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.49

Monthly cost to own$2,986

Monthly rent$1,999

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 37th percentile^[1]
Rental yield: 27th percentile^[2]
Property tax: 13th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 12020?: The typical home in 12020 is worth $430,839, based on the Zillow Home Value Index.
Are home values rising in 12020?: Home values in 12020 are up 5.0% over the past year, and up 6.2% a year over five years.
What is the typical rent in 12020?: A typical home in 12020 rents for about $1,999 a month, a gross rental yield of 5.6%.
What is the property tax rate in 12020?: The effective property tax rate in 12020 is 1.3% — roughly $5,389 a year on a typical home.
Who lives in 12020?: ZIP code 12020 has a population of 34,937 and a median household income of $107,112.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

12027 vs 12020 →
East Glenville CDP, NY
Typical home
$429,394
Gross yield
—
12151 vs 12020 →
Round Lake, NY
Typical home
$422,941
Gross yield
—
12156
NY
Typical home
$438,913
Gross yield
—
12833
Saratoga Springs, NY
Typical home
$443,829
Gross yield
—
12054
NY
Typical home
$445,468
Gross yield
5.8%
12186
Voorheesville, NY
Typical home
$414,103
Gross yield
—

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#Jump to section

U.S. ZIP Code · NY12020

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