HousingHandbookReference data

U.S. ZIP Code · NY12077

Albany County · Albany-Schenectady-Troy, NY

Typical home value

$484,514[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+6.3%
5-year / yr
+7.1%
10-year / yr
+5.7%

Relative price

vs U.S.
+70.6%
vs metro
+51.9%
vs state
+52.1%
ZIP 12077 location in NY
Location of ZIP 12077 in NY

Price history

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

The typical home in 12077 is worth $484,514 — 51.9% above the Albany-Schenectady-Troy, NY median. Over the past year, values have risen 6.3%. Homes here rent for a typical $1,709 a month — a 4.2% gross rental yield. The effective property tax rate is 2.0%.

#Rent & investment

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

Monthly rent
$1,709[2]
Gross yield
4.2%[2]
Cap rate
2.5%[2]

#Property tax

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

Effective tax rate
2.0%[3]
Typical annual tax
$9,838[3]

#Climate risk

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

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
No Rating
Wildfire
Very Low
Drought
No Rating
Heat wave
Relatively Low
Hurricane
Relatively Moderate
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
7,017[3]
Median household income
$118,257[3]

#Migration

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

Net migration
-518[5]
Moved in
8,979
Moved out
9,497

Schools

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

Public schools
1
Elementary
1
Middle
0
High
0
  • GLENMONT ELEMENTARY SCHOOL

    Elementary · Grades K–5 · BETHLEHEM CENTRAL SCHOOL DISTRICT

    372 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.

Gross yield4.2%
Net yield (after ~40% expenses)2.5%
Annual rent$20,508

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.

Monthly payment$2,450
Loan principal$387,611
Down payment$96,903
Total interest paid$494,377

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.

Own : rent ratio2.15
Monthly cost to own$3,673
Monthly rent$1,709

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
76th percentile[1]
Rental yield
14th percentile[2]
Property tax
79th percentile[3]

Frequently asked

How much is a home worth in ZIP code 12077?
The typical home in 12077 is worth $484,514, based on the Zillow Home Value Index.
Are home values rising in 12077?
Home values in 12077 are up 6.3% over the past year, and up 7.1% a year over five years.
What is the typical rent in 12077?
A typical home in 12077 rents for about $1,709 a month, a gross rental yield of 4.2%.
What is the property tax rate in 12077?
The effective property tax rate in 12077 is 2.0% — roughly $9,838 a year on a typical home.
Who lives in 12077?
ZIP code 12077 has a population of 7,017 and a median household income of $118,257.

#Comparable ZIPs

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

  • NY

    Typical home
    $482,989
    Gross yield
  • Clifton Knolls-Mill Creek CDP, NY

    Typical home
    $480,533
    Gross yield
    3.9%
  • Country Knolls CDP, NY

    Typical home
    $489,888
    Gross yield
  • Westmere CDP, NY

    Typical home
    $493,281
    Gross yield
  • Loudonville CDP, NY

    Typical home
    $475,096
    Gross yield
  • NY

    Typical home
    $470,238
    Gross yield

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