The median home in Cohoes, New York is valued at $321,544, up 2.5% year over year. Typical monthly rent is $1,863, producing a price-to-rent ratio of 14.4x — below the national average of 18x. Cohoes is part of the Albany-Schenectady-Troy, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Albany-Schenectady-Troy, NY stress score, crash risk, and 12-month forecast →

Home Value$321,544

+2.5%

Rent$1,863/mo

AFFORDABILITY

Enter your income for Cohoes.

Income (annual)

Down Payment

$64,309 on $321,544

Stretch — 35.8% of income

Above 28% but manageable with cuts.

PITI$2,237

P/I35.8%

Afford$252K

Gap-$70K

P&I $1,626Tax $461Ins $150

Renting $374/mo cheaper ($1,863 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Cohoes with other housing markets across New York.

Sagaponack$7210K Water Mill$4535K Bridgehampton$4439K Wainscott$3780K Sands Point$3176K Amagansett$2966K Old Westbury$2853K Quogue$2769K

Full Albany-Schenectady-Troy, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Albany-Schenectady-Troy, NY metro.

View Albany-Schenectady-Troy, NY metro →

COHOES, NY