The story of this market
The typical home in ZIP 12086 sells for about $320,000, or $285 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 24 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $898 a month.
ZIP 12086 — Hagaman
The housing market in 12086 remains stable with moderate price appreciation and low inventory levels. Demand is supported by buyers seeking rural-suburban living within commuting distance of the Capital District, though higher interest rates have tempered overall transaction volume.
This ZIP is well-suited for family buyers and commuters seeking a quieter, rural-suburban lifestyle while maintaining access to the broader Capital District's employment and services.
Median prices moved up 2.1% year over year.
Homes spend a median of 24 days on market with 3.2 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 0.9% · poverty 4.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 12086, New York
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the area are generally low and consistent with rural-suburban trends in the Mohawk Valley region, with no significant spikes reported.
Schools serving the area are part of regional districts that generally maintain stable performance ratings, though specific school-level data varies by district boundary.
The area is subject to standard regional risks including seasonal flooding near water bodies and winter storm impacts, with typical insurance requirements for the Northeast.
Economic momentum is driven by proximity to the Albany-Schenectady-Troy employment core, with local development focused on residential expansion and small-scale commercial growth.
Property taxes are levied by local municipalities and school districts based on assessed values; the area is subject to New York's STAR exemption program for eligible homeowners.
Residents primarily rely on personal vehicles for commuting, with access to major regional highways providing connections to Schenectady and Albany employment hubs.
The area offers access to local parks, rural trails, and proximity to the Mohawk River, with shopping and dining amenities concentrated in nearby towns.
The rental market is characterized by low vacancy pressure and steady demand, with limited short-term rental inventory compared to larger urban centers.
The economy is anchored by the broader Albany-Schenectady-Troy metro area, with significant employment in government, healthcare, and education sectors.
Transportation is dominated by highway corridors; public transit options are limited, necessitating vehicle ownership for most residents.
Development is primarily focused on low-density residential infill and small-scale commercial projects consistent with existing zoning.
Parcels are subject to local school district taxes and municipal levies; no major MUD/PID districts are prevalent.
Property insurance premiums are influenced by regional weather patterns and proximity to flood-prone areas near the Mohawk River.
Data retrieved from U.S. Census Bureau ACS 5-year estimates for ZCTA 12086.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- NYzipline4.96.9 mi
- The Local FFF - Fun! Funner! Funnest!4.413.6 mi
- Saratoga Performing Arts Center (SPAC)4.518.8 mi
- Proctors4.715 mi
- Altamont Fair4.219.1 mi
- The Saratoga County Fairgrounds & Expo Center4.215.5 mi
- Maple Ski Ridge4.511.8 mi
- Adirondack Animal Land4.47.2 mi
- The Plotter Kill Preserve4.610.8 mi
- Maple Ski Ridge4.511.8 mi
- Indian Meadows Park4.712.2 mi
- National Shrine of Our Lady of Martyrs4.87.8 mi
- Saratoga Automobile Museum4.618.9 mi
- miSci | Museum of Innovation & Science4.415.3 mi
- Children's Museum at Saratoga4.519.8 mi
- Mabee Farm Historic Site4.79.1 mi
- National Shrine of Our Lady of Martyrs4.87.8 mi
- The Plotter Kill Preserve4.610.8 mi
- Maalwyck Park4.612.4 mi
- Indian Meadows Park4.712.2 mi
- Shuttleworth Park4.50.8 mi
- Saint Kateri National Shrine and Historic Site4.712 mi
- Mohawk Harbor4.614.8 mi
- Amsterdam Municipal Golf Course4.42.1 mi
- Pioneer Hills Golf Course411 mi
- Fox Run Golf Club4.68.6 mi
- Hales Mills Country Club4.59.1 mi
- Runnings4.510.8 mi
- Market 3241.4 mi
- Price Chopper410.9 mi
- T.J. Maxx4.311.1 mi
- Marshalls4.41.6 mi
- Albany International Airport4.123.2 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Provides recreational boating and fishing access for the region.
Small-scale municipal parks serving local residential neighborhoods.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.