The median home in Rensselaer, New York is valued at $297,080, up 3.9% year over year. Typical monthly rent is $1,854, producing a price-to-rent ratio of 13.4x — below the national average of 18x. Rensselaer is part of the Albany-Schenectady-Troy, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$297,080

+3.9%

Rent$1,854/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Rensselaer.

Income (annual)

Down Payment

$59,416 on $297,080

Example: $75,000 household income. Change it above to see your own.

Stretch33.2% of income

Above 28% but manageable with cuts.

PITI$2,078

P/I33.2%

Afford$250K

Gap-$47K

P&I $1,502Tax $426Ins $150

Renting $224/mo cheaper ($1,854 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 Rensselaer with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

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

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Rensselaer, NY