ZIP Code · NY

ZIP 12182

Part of Troy, NY

Pop. 14,867·Rensselaer County·297th most expensive ZIP in New York

Median rent (all units)

$1,390/mo

Year-over-Year

-0.4%

Month-over-Month

+3.0%

vs US Median

-$542

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 12182 · $1,390

More affordable than 81% 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

$1,040

1 BR

$1,210

2 BR

$1,450

3 BR

$1,740

4 BR+

$1,920

Research median

$1,450/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

Past year vs. the rest of New York

Rent in ZIP 12182 changed -0.4% over the year to September 2026. Across the 251 New York ZIP codes Zillow tracks, the typical change was +5.6%.

What a typical income covers

30% of the median household income ($56,984) is $1,425 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($1,210); a 2-bedroom is $1,450.

From Zillow's monthly rent index (ZORI) for ZIP 12182. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$16,680/yr

At $1,390/mo median

Location

CityTroy

StateNY

CountyRensselaer County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (0.4% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (-0.4% YoY, +3.0% MoM), not inventory.

Demographics

Who lives here

ZIP 12182 (Troy, NY) is roughly split between renters and owners, has a median income below the national average, 27.1% of residents hold a bachelor's degree or higher.

Population

14,867

Median income

$56,984

Median age

38.4

Renters

48.4%

Age distribution

23%

20.2%

23.7%

13.1%

20%

Under 1823%

18–3420.2%

35–5423.7%

55–6413.1%

65+20%

Gender

47.9%

52.1%

Male47.9%

Female52.1%

Race & ethnicity

64.8%

14.3%

12.8%

White64.8%

Black14.3%

Hispanic7.1%

Asian0.9%

Other12.8%

Education (25+)

29%

32%

27.1%

No HS diploma11.8%

HS diploma29%

Some college32%

Bachelor's+27.1%

Housing tenure

51.6%

48.4%

Owner51.6%

Renter48.4%

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

2021 vs 2026

How ZIP 12182 in Troy, NY has changed in 5 years

Income

$53,972 → $56,984

up 5.6%

Population

14,643 → 14,867

up 1.5%

Renter share

49.8% → 48.4%

-1.4 pts

Bachelor's+

24.8% → 27.1%

+2.3 pts

Median age

40.1 → 38.4

-1.7 yrs

Household income in the area moved from $53,972 to $56,984 across the same window, up 5.6% versus 2021. The population has grown by 1.5% since 2021, moving from about 14,643 residents to roughly 14,867. College-educated residents now make up 27.1% of adults here, versus 24.8% in 2021.

Community

Discussions about ZIP 12182

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Local insights

Tips for renters in ZIP 12182

About renting in ZIP 12182

Last updated: October 17, 2026

ZIP code 12182 covers Troy, NY. The median rent here is $1,390/mo as of October 2026. A 1-bedroom rents for a median of $1,210/mo. A 2-bedroom rents for a median of $1,450/mo.

At 29% of local median household income ($56,984/yr), ZIP 12182 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 0.4% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 12182?

To keep rent at or below 30% of gross income, you would need to earn at least $56,000/year (about $27/hour full-time) to afford the median rent of $1,390/mo in ZIP 12182. The local median household income is $56,984/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 12182?

Rent in ZIP 12182 has been roughly flat over the past year, a -0.4% change.

How does ZIP 12182 compare to other ZIPs in New York?

ZIP 12182 is one of the more affordable among New York ZIP codes for rent, ranking #297 of 334 at $1,390/mo. Over the year to September 2026, rent in ZIP 12182 changed -0.4%, against a typical +5.6% across the 251 New York ZIP codes Zillow tracks.