Albany home values (September 2026)
The typical home in the Albany, NY metro is worth $373,057, +5% over the last 12 months. Updated monthly from Zillow Research data.
- Typical value
- $373,057
- 1-year change
- +5%
- 5-year change
- +31.8%
- 10-year change
- +76.4%
Where Albany stands
- #47 most expensive of the 100 largest U.S. metros; #6 by 1-year price growth.
- At or near its all-time high ($373,057).
Home equity in Albany
At an 85% combined loan-to-value cap, a typical $373,057 home supports up to $317,098 of total borrowing. With a typical mortgage still owed, about $108,186 of equity would be available as a line of credit. Run your own numbers in the HELOC calculator.
Compare nearby metros
- New York, NY — $730,949 (+4.9% 1-yr)
- Buffalo, NY — $287,359 (+3.6% 1-yr)
- Rochester, NY — $281,279 (+4.9% 1-yr)
- Syracuse, NY — $268,949 (+6.6% 1-yr)
- Charlotte, NC — $381,392 (-0.8% 1-yr)
- Atlanta, GA — $375,898 (-1.5% 1-yr)
Frequently asked questions
What is the typical home value in Albany?
The typical home in the Albany, NY metro area is worth about $373,057 as of September 2026, according to the Zillow Home Value Index (mid-tier homes, seasonally adjusted). That ranks #47 of the 100 largest U.S. metros.
Are home prices in Albany going up or down?
Over the past 12 months the typical value changed +5% (#6 of 100 large metros by 1-year growth). Over 5 years it changed +31.8%, and over 10 years +76.4%. Values are at or near their all-time high.
How much home equity could a Albany homeowner borrow against?
Lenders typically cap combined loan-to-value at about 85%. On a typical $373,057 home that's $317,098 of total borrowing; after a typical existing mortgage (about 56% of value) roughly $108,186 would remain as a line of credit. This is an illustration, not an offer — your figure depends on your own balance, credit and appraisal.
Data: Zillow Research, Zillow Home Value Index (all homes, mid tier, smoothed and seasonally adjusted), September 2026. Equity figures are illustrative. Download the full dataset.