dynamic.RE
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A tight-supply, appreciation-lean market. The rent math runs thin; demand and tenant incomes are the story.
What would change this read: a price correction (median already +8.8% YoY) or rent growth lifting rent-to-price toward 0.8%/mo would move this ZIP toward a cash-flow story. inventory, −9.2% YoY, is the number to watch.
The median listing price is up 8.8% YoY while the median home got up 10.6% bigger, so value per square foot is up 2.1%.
Min/max come from the active-listing pool; the median comes from Realtor's separate listing set — the two are not subsets of each other, so the median's position relative to the tiles above should not be read literally.
At the median, a $326K purchase rents for $1,700/mo: 0.52% of price per month against the 1% rule's 1.00%.
Not shown: Studio (rent only, no matching sale price), 1 BR (rent only, no matching sale price), 8 BR (sale only, no matching rent).
Sales here take about 5 days longer to go under contract than rentals (median across 4 property types).
Not shown: Apartment (rented here, not sold), Land (sold here, not rented).
U.S. Census ACS characteristics for ZIP 12203 itself, not its parent county.
Renters hold 50.5% of this ZIP's 13,810 occupied households, on a median household income of $83K.
| Measure | ZIP 12203 | Albany County | Difference |
|---|---|---|---|
| Median Household Income | $83K | $85K | -$2K |
| Below Poverty Level | 13.9% | 13.0% | +0.9% |
| Median Age | 34.50 | 38.40 | -3.90 |
| Total Population | 30,771 | 317,018 | -- |
| Avg Household Size | 2.02 | 2.21 | -0.19 |
| Owner-Occupied | 49.5% | 56.6% | -7.0% |
| Worked From Home | 17.8% | 15.2% | +2.6% |
| Mean Commute | 17.50 | 21.40 | -3.90 |
Higher or lower is not itself good or bad — it describes the neighborhood, not the investment.
ZIP-level figures come from ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP codes. A missing value is suppressed or unavailable at this sample size, not zero. Estimates for 2019–2020 use the 2010 ZCTA boundaries and 2021–2024 the 2020 ones, so a step between those two years may be a boundary change rather than real movement.
County population is up 0.5% to 317,018: residents under 18 are down 0.5% and those 65 and over are up 2.6%.
County median household income is $85K, 13.0% of residents are below the poverty level, 15.2% work from home.