Zip lookup · NY

12168
Stephentown, New York.

Stephentown, Rensselaer County, NY · Albany-Schenectady-Troy, NY metro · population 1,752

What it costs per month · 12168 $1,720/mo

to buy the typical home at today's mortgage rate — +$993 (+137%) since Jan 2020.

What the home itself did
1 year
Up $22,511 +7%
$305,263$327,774 since Sep 2025
5 years
Up $78,620 +32%
$249,154$327,774 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 12168 $1,720 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 12168$1,720
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 13 years.

Typical home values in zip 12168 rose 7.4% over the past year — faster than the nation's +1.2%.

Zillow also publishes an index for the city itself: Stephentown, NY — measured over the city limits, which is a different area from this zip.

Typical home value $327,774 as of Sep 2026
+7.4%year on year

Typical home value — 12168

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $250,000 $300,000 $350,000 2018 2020 2022 2024 2026 12168 $327,774 Albany $373,057 United States $366,157
$200,000 $250,000 $300,000 $350,000 2018 2022 2026
  • 12168$327,774
  • Albany$373,057
  • United States$366,157

Within 20 miles

Showing 30 of 44 zips in range — sorting picks from all 44.

Miles sorted ascending, activate to sort descending Zip activate to sort by Zip City activate to sort by City Population activate to sort by Population Rent activate to sort by Rent Home value activate to sort by Home value
3.4 12169 Stephentown 417 — $327,313
6.1 12125 New Lebanon 1,141 — $384,356
6.2 01237 Lanesborough 2,302 — $376,019
6.8 12062 East Nassau 1,650 — $327,692
7.0 12153 Sand Lake 669 — $372,234
7.6 12022 Berlin 1,120 — $259,349
8.7 01201 Pittsfield 44,848 $1,545 $309,307
9.0 12018 Averill Park 7,422 — $397,554
9.8 12024 Brainard 78 — $404,094
9.9 01267 Williamstown 9,633 — $488,499
11.2 12029 Canaan 1,069 — $537,701
11.4 01225 Cheshire 3,216 — $359,634
11.9 12060 East Chatham 1,859 — $558,485
12.1 12123 Nassau 4,457 — $331,286
12.2 12138 Petersburg 2,695 — $271,357
12.6 01254 Richmond 1,036 — $626,519
12.6 01226 Dalton 6,256 — $347,639
13.0 12136 Old Chatham 1,043 — $614,782
13.1 12140 Poestenkill 1,512 — $384,302
13.2 12196 West Sand Lake 3,880 — $409,731
13.4 12063 East Schodack 665 — $466,143
13.8 01220 Adams 8,074 — $271,674
14.0 01240 Lenox 5,111 — $604,782
14.5 12052 Cropseyville 1,915 — $303,413
14.6 12061 East Greenbush 9,854 — $419,465
15.4 12198 Wynantskill 6,796 — $350,578
16.6 12130 Niverville 233 — $307,661
16.9 12033 Castleton On Hudson 7,932 — $378,835
16.9 05261 Pownal 2,171 — $280,280
17.0 01270 Windsor 1,036 — $354,399

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.