ZIP Code · NY

ZIP 12054

Part of Delmar, NY

Pop. 17,436·Albany County·229th most expensive ZIP in New York

Median rent (all units)

$1,966/mo

Year-over-Year

Stable

Month-over-Month

+0.4%

vs US Median

+$34

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 12054 · $1,966

More expensive than 60% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,570

1 BR

$1,820

2 BR

$2,190

3 BR

$2,630

4 BR+

$2,900

Research median

$2,190/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($129,583) is $3,240 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($2,900).

Cheaper nearby

ZIP 12208, 4 miles away, rents for 18% less ($1,615/mo), about $4,200 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 12054. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$23,592/yr

At $1,966/mo median

Location

CityDelmar

StateNY

CountyAlbany County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.0% YoY, +0.4% MoM), not inventory.

Demographics

Who lives here

ZIP 12054 (Delmar, NY) is majority owner-occupied, has a large retiree population, has a median income above the national average, 69.1% of residents hold a bachelor's degree or higher.

Population

17,436

Median income

$129,583

Median age

43.4

Renters

26.1%

Age distribution

23.1%

14.9%

26.2%

13.3%

22.5%

Under 1823.1%

18–3414.9%

35–5426.2%

55–6413.3%

65+22.5%

Gender

48.2%

51.8%

Male48.2%

Female51.8%

Race & ethnicity

87.7%

White87.7%

Black1.2%

Hispanic5.5%

Asian3.3%

Other2.3%

Education (25+)

17.9%

69.1%

No HS diploma2.3%

HS diploma10.7%

Some college17.9%

Bachelor's+69.1%

Housing tenure

73.9%

26.1%

Owner73.9%

Renter26.1%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 12054 in Delmar, NY has changed in 5 years

Income

$117,984 → $129,583

up 9.8%

Population

16,578 → 17,436

up 5.2%

Renter share

25.2% → 26.1%

+0.9 pts

Bachelor's+

70.3% → 69.1%

-1.2 pts

Median age

42.6 → 43.4

+0.8 yrs

Census figures show median household income at $129,583 today, compared with $117,984 five years earlier. Headcount in the area went from 16,578 to 17,436 between 2021 and 2024, a 5.2% change.

Community

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Local insights

Tips for renters in ZIP 12054

About renting in ZIP 12054

Last updated: October 17, 2026

ZIP code 12054 covers Delmar, NY. The median rent here is $1,966/mo as of October 2026. A 1-bedroom rents for a median of $1,820/mo. A 2-bedroom rents for a median of $2,190/mo.

At 18% of local median household income ($129,583/yr), ZIP 12054 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 12054?

To keep rent at or below 30% of gross income, you would need to earn at least $79,000/year (about $38/hour full-time) to afford the median rent of $1,966/mo in ZIP 12054. The local median household income is $129,583/yr, so the typical household meets that bar.