Aug 2026
$305K
+9.2% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Albany, NY
Daily-refreshed real estate signals + Three-Opinion home-price methodology for Albany, NY. Built for agents; free to read.
Albany, NY’s median sale price is $305K as of Aug 2026 — +9.2% year over year. Pecan Street tracks Albany with its Three-Opinion home-price methodology (Redfin, FHFA HPI, and Zillow ZHVI), with no market signals flagged right now.
Headline
Sep 18, 2026
7.04%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,628/mo
$70K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Albany compares to other U.S. metros
| Home-price growth | ↑16th of 195 (top 9%) |
|---|---|
| Price-to-rent | ↓148th of 195 |
| Price cuts | 111th of 194 |
| Days on market | 106th of 194 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 12 -4.1% YoY ↓148th of 195 |
|---|---|
| Asking price / sq ft | $244 +2.2% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 36% +1.1 pts YoY 111th of 194 |
|---|---|
| New housing units permitted | 245 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Aug 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Jul 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 12 shown of 114 |
|---|---|
| MLS board of record | Greater Capital Association of REALTORS |
| Price methodology | Three-Opinion · Redfin · FHFA HPI · Zillow ZHVI |
| Data as of | Aug 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 2.2ppRedfin (city) +9.2% | FHFA HPI · Q2 2026 +7.0% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
Market dispatches
Citable market dispatches for Albany → Latest dispatch: Jul 24, 2026.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 12019 | $695K↑ | 29↑ | 16↑ | 12↓ | 52↑ | $507K↑ |
| 12020 | $535K↑ | 58↓ | 32↓ | 24↑ | 51↓ | $440K↑ |
| 12065 | $622K↑ | 76↑ | 64↑ | 24↑ | 39↓ | $495K↑ |
| 12118 | $575K↓ | 57↑ | 20↑ | 12↑ | 65↑ | $476K↑ |
| 12144 | $350K↑ | 34↑ | 20↓ | 8↓ | 59↑ | $319K↑ |
| 12180 | $350K↑ | 43↓ | 28↓ | 20↓ | 45↑ | $313K↑ |
| 12302 | $400K↑ | 49↑ | 36↓ | 20↓ | 38↓ | $338K↑ |
| 12303 | $327K↑ | 32↓ | 32↓ | 16↓ | 47↑ | $325K↑ |
| 12306 | $321K↓ | 59↑ | 32↑ | 20↑ | 56↑ | $304K↑ |
| 12309 | $445K↓ | 49↑ | 44↑ | 16↓ | 36↑ | $419K↑ |
| 12831 | $630K↑ | 38↑ | 20↑ | 12↑ | 59↑ | $482K↑ |
| 12866 | $872K↓ | 172↑ | 56↓ | 52↑ | 74↓ | $665K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.