Median home value: $322K (+2.5% YoY). Rent: $1,863/mo. Price-to-rent: 14.4x. Part of Albany-Schenectady-Troy, NY.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Albany-Schenectady-Troy, NY metro page.
Home Value$321,544
+2.5%
Rent$1,863/mo
AFFORDABILITYRenting $290/mo cheaper ($1,863 rent)6.00% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Cohoes.
$64,309 on $321,544
Stretch — 34.4% of income
Above 28% but manageable with cuts.
PITI$2,153
P/I34.4%
Afford$261K
Gap-$60K
P&I $1,542Tax $461Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing