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Latham, New York

Latham, NY.

Buying in Latham? Your lender is right down the road. Central location, tight inventory and homes that don't sit long - so being approval-ready before you tour is the whole game.

5.0★ average rating
166+ five-star reviews
Office minutes away
Answers days, nights & weekends
Your Latham loan consultant

Local means
actually local

Latham's appeal is its location. You're minutes from the Northway, Route 7 and Albany International Airport, and roughly midway between Albany, Troy and Schenectady - so the commute works no matter where the job lands.

That same convenience is why buyers compete here. Well-priced homes near Shaker or off Boght Road don't wait around. Being pre-approved first is what lets you offer fast instead of watching the right house go to someone who was ready.

Brian's office is at 18 Computer Dr E in Albany - right in the Latham and Colonie area you're shopping. Not a call center in another time zone.

Brian Marchand, mortgage loan consultant serving Latham, NY
What actually moves your number

Three things that decide
a Latham payment

Latham is a mailing address, not a tax jurisdiction. What you pay is set by the district line and the exemptions on the last owner's bill.

North Colonie for most of it - but not all of it

Most Latham addresses sit in North Colonie, whose high school, Shaker, is right in Latham. Part of the area falls under South Colonie. Since school levies drive 60% to 70% of a New York tax bill, that line matters more to your payment than the town name does.

Latham prices above the county median

Depending on the source, Latham values generally land in the $415,000 to $465,000 range - meaningfully above the Albany County median. At Albany County's 1.9% to 2.4% effective range, a higher price means a bigger escrow line, which changes the loan your income supports.

The listing's tax figure is often the seller's

A lot of Latham homes have long-tenured owners carrying STAR, Enhanced STAR or veterans exemptions that don't transfer to you. Underwriting qualifies you on the forward-looking bill, and that correction can move your approval by real money.

Getting to know Latham

A snapshot of
Latham, NY

$415–465KTypical home value range
~2.2%Est. effective tax rate
North ColoniePrimary school district
TightInventory / market pace

A hamlet inside the Town of Colonie and arguably the most central address in the Capital Region - minutes to the Northway, Route 7 and the airport, and roughly equidistant from Albany, Troy and Schenectady. The Latham Farms and Wolf Road corridors put most of the region's retail within a few traffic lights, which is a large part of why demand here stays ahead of supply.

Neighborhoods & areas: Newtonville · Boght Corners · Shaker · Verdoy · Loudonville edge · Northway commuter belt

Home value range reflects published 2026 estimates, which differ by source and by whether they track recent sales or a broader value index. The effective rate shown is an estimate within the Albany County range; Latham addresses vary by school district and exact parcel. School assignment must be confirmed by address. For general reference only.

Where people are buying

In & around Latham

Each pocket carries its own price point and school assignment. Knowing the difference is part of setting a smart budget before you tour.

NewtonvilleBoght CornersShakerLatham Farms area Loudonville edgeVerdoyWolf Road corridorNorthway belt
The real numbers

What it costs to buy
in Latham

Beyond the sticker price - the monthly escrow math, the district that sets it, and the programs that can shrink what you bring to closing.

What the escrow line looks like
$440KMid-range Latham value
→
~$901Est. taxes + insurance / mo*
  • Property taxes at ~2.2% (est.)$807
  • Homeowners insurance$94
  • Principal & interestRun yours →

*Escrow illustration only. Taxes and insurance are estimated against a $440K value at an assumed 2.2% effective rate; your actual assessment, school district, exemptions and premium will differ. Principal and interest are not shown here because they depend on your credit, loan program, down payment and market conditions on the day you lock — use the calculator or call me for real numbers. Not a commitment to lend. Equal Housing Lender.

Run your own numbers → Get pre-approved

Property taxes

Latham sits in Albany County, where effective rates run roughly 1.9% to 2.4% against a New York median near 1.90%. On a $440K home an assumed 2.2% puts the tax line near $807 a month. STAR and veterans credits can reduce it - but only once they're in your name.

School districts

Most of Latham is North Colonie, with Shaker High School located in Latham itself; part of the area is South Colonie. Albany County district rates vary by 30% to 50%, so confirming the district by address - not by listing description - is worth doing before you write an offer.

You may not need 20% down in Latham

Brian works with 3% & 5%-down conventional, FHA (3.5% down), zero-down VA, and SONYMA first-time-buyer loans with down payment assistance. At Latham price points, the right program is often the difference between qualifying and waiting another year.

See loan programs →
From Albany County clients

Real buyers.
Real results.

★★★★★
Brian is always ready to help my clients and give us top-notch service. His years of mortgage knowledge and experience ensure we get the deal closed.
TToni M.
Verified client · Google
★★★★★
Brian is amazing! A great communicator who makes himself available. Every time I reached out, he would answer or call me right back.
AAnne M.
Verified client · Zillow
★★★★★
As first-time home buyers the experience was overwhelming, but this team made the process so much smoother. Everyone was always accessible and quick to answer.
KKristin M.
Verified client · experience.com

Verified reviews from Google & Zillow · See all 166+ reviews →

Why people pick Latham

Central to everything

Type in your address to see the real driving distance and time from your doorstep to every town we serve nearby.

Drive times to each town

Enter your address to see the real driving distance and time to every town we serve nearby.

Sorted by drive time - closest first. Tap a town to find it on the map.

Estimates via OpenStreetMap routing - typical driving times, not live traffic.
Good to know

Latham mortgage
questions, answered

What does a home in Latham typically cost?+
As of 2026, Latham home values generally land somewhere in the roughly $415,000 to $465,000 range, depending on the source and whether you're looking at recent sales or a broader value index. It varies by pocket and moves with the market, so the useful step is pulling current numbers for the specific home you're eyeing rather than budgeting off an average.
What school district is Latham in?+
Most of Latham is served by the North Colonie Central School District, whose high school - Shaker High School - is located right in Latham. A portion of the area falls under South Colonie depending on the exact address. Since school levies typically account for 60% to 70% of a New York tax bill, it's worth confirming the district by address before you commit to a price.
Why is the Latham market so competitive?+
Location. Latham is central to Albany, Troy and Schenectady with quick access to the Northway, Route 7 and the airport, so a lot of buyers want in and inventory stays tight. A strong, current pre-approval is what lets you compete on the homes that go fast.
Do you have a local office near Latham?+
Yes, and it's close - 18 Computer Dr E, Suite 103 in Albany, right in the Latham and Colonie area. You get a local lender you can actually meet, call or text, not a queue.
Can first-time buyers afford Latham?+
It takes the right program, but yes. FHA's 3.5% down, 3% down conventional, and SONYMA down payment assistance all help stretch a budget at Latham price points. The program finder is a good first pass, and a real conversation will tell you what you actually qualify for.
Why is the tax figure on the listing different from what my lender used?+
Listings usually show what the current owner pays. Many Latham homes carry a STAR, Enhanced STAR or veterans exemption that doesn't transfer to a new owner. Underwriting has to qualify you on the forward-looking bill, so that number gets verified before the offer rather than at the closing table.
How fast can I get pre-approved?+
Often the same day or the next. You can start your pre-approval online anytime, or book a quick call with Brian.