Market Overview
Home Prices in Schaghticoke, NY
The median home value in Schaghticoke, NY is $360,491 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.9% compared to a year ago and up 2.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Schaghticoke are priced12% below average. Schaghticoke is part of the Albany-Schenectady-Troy, NY metro area.
Price History
Schaghticoke Home Price Trend
2024
$321,463
$321K
—
2025
$330,890
$331K
+2.9%
2026
$360,491
$360K
+8.9%
City Comparison
Schaghticoke vs. National Median
🏠 Schaghticoke
$360,491
National Median
$410,000
At $360,491, homes in Schaghticoke cost 12% below the national median of $410,000. This makes Schaghticoke a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Schaghticoke?
20% Down Payment
$72,098
on $360,491
Monthly P&I
$1,880/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,388/mo
incl. taxes & insurance
Income Needed
$95,520
gross annual (30% rule)
10% Down Option
$36,049
+ PMI applies
Loan Amount (20% dn)
$288,393
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Schaghticoke, NY?
The median home value in Schaghticoke is $360,491 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.9% year-over-year.
How much have home prices changed in Schaghticoke?
Over the past year, home values in Schaghticoke have increased by 8.9%.
How much do I need to earn to buy a home in Schaghticoke?
To comfortably afford the median home price of $360,491 with a 20% down payment ($72,098) at today's rates (6.8%), you'd need a gross annual income of approximately $95,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Schaghticoke compare to the national average home price?
The national median home value is approximately $410,000. At $360,491, homes in Schaghticoke are 12% below the national average.
What metro area is Schaghticoke part of?
Schaghticoke is part of the Albany-Schenectady-Troy, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.