ZIP Code · NY

ZIP 12180

Part of Troy, NY

Pop. 53,479·Rensselaer County·283rd most expensive ZIP in New York

Median rent (all units)

$1,481/mo

Year-over-Year

+6.8%

Month-over-Month

+0.2%

vs US Median

-$451

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 12180 · $1,481

More affordable than 74% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,200

1 BR

$1,400

2 BR

$1,680

3 BR

$2,010

4 BR+

$2,220

Research median

$1,680/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

Cheapest month to sign

June. Asking rents in ZIP 12180 usually run 0.6% below trend in June and 0.9% above it in March, about $22 a month apart at today's median. Based on 7 years of data.

Compared with the peak

Rent in ZIP 12180 is at its highest level since Zillow's records here began in February 2019.

Past year vs. the rest of New York

Rent in ZIP 12180 changed +6.8% over the year to September 2026. Across the 251 New York ZIP codes Zillow tracks, the typical change was +5.6%.

Since before the pandemic

Rent in ZIP 12180 is 52.4% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has risen 5 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($75,851) is $1,896 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,680); a 3-bedroom is $2,010.

From Zillow's monthly rent index (ZORI) for ZIP 12180. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$17,772/yr

At $1,481/mo median

Location

CityTroy

StateNY

CountyRensselaer County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 6.8% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+6.8% YoY, +0.2% MoM), not inventory.

Demographics

Who lives here

ZIP 12180 (Troy, NY) is roughly split between renters and owners, skews toward younger working-age adults, 42% of residents hold a bachelor's degree or higher.

Population

53,479

Median income

$75,851

Median age

Renters

52.1%

Age distribution

16.3%

35.5%

21.7%

12.2%

14.4%

Under 1816.3%

18–3435.5%

35–5421.7%

55–6412.2%

65+14.4%

Gender

50.2%

49.8%

Male50.2%

Female49.8%

Race & ethnicity

70.6%

12.8%

White70.6%

Black12.8%

Hispanic8.8%

Asian4.7%

Other3.2%

Education (25+)

21.6%

28.1%

42%

No HS diploma8.3%

HS diploma21.6%

Some college28.1%

Bachelor's+42%

Housing tenure

47.9%

52.1%

Owner47.9%

Renter52.1%

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

2021 vs 2026

How ZIP 12180 in Troy, NY has changed in 5 years

Rent

$1,080 → $1,481

up 37.1%

Income

$61,595 → $75,851

up 23.1%

Population

53,729 → 53,479

down 0.5%

Renter share

54.8% → 52.1%

-2.7 pts

Bachelor's+

35.3% → 42%

+6.7 pts

Median age

34.5 → 34

-0.5 yrs

Across the past five years, the going rent in ZIP 12180 in Troy, NY has shifted from $1,080 to $1,481, up 37.1% since 2021. Census figures show median household income at $75,851 today, compared with $61,595 five years earlier. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. The renter share has eased from 54.8% to 52.1%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 35.3% to 42% across the same window. The combined trend lines point to a market that has changed measurably from where it stood in early 2021.

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About renting in ZIP 12180

Last updated: October 17, 2026

ZIP code 12180 covers Troy, NY. The median rent here is $1,481/mo as of October 2026. A 1-bedroom rents for a median of $1,400/mo. A 2-bedroom rents for a median of $1,680/mo.

At 23% of local median household income ($75,851/yr), ZIP 12180 ranks as affordable compared to the national benchmark of 30%. Rents have increased 6.8% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 12180?

To keep rent at or below 30% of gross income, you would need to earn at least $59,000/year (about $28/hour full-time) to afford the median rent of $1,481/mo in ZIP 12180. The local median household income is $75,851/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 12180?

Rent in ZIP 12180 has risen 6.8% over the past year as of September 2026. That is the highest level since Zillow's records here began in February 2019.

When is the cheapest time to rent in ZIP 12180?

Asking rents in ZIP 12180 are usually lowest in June, about 0.6% below their yearly trend, and highest in March, about 0.9% above it. At today's median that is a gap of roughly $22 a month. This pattern comes from 7 years of Zillow rent data.

How does ZIP 12180 compare to other ZIPs in New York?

ZIP 12180 is one of the more affordable among New York ZIP codes for rent, ranking #283 of 334 at $1,481/mo. Over the year to September 2026, rent in ZIP 12180 changed +6.8%, against a typical +5.6% across the 251 New York ZIP codes Zillow tracks.