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.
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Home Value$297,080
+3.9%
Rent$1,854/mo
AFFORDABILITYRenting $224/mo cheaper ($1,854 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Rensselaer.
$59,416 on $297,080
Stretch — 33.2% of income
Above 28% but manageable with cuts.
PITI$2,078
P/I33.2%
Afford$250K
Gap-$47K
P&I $1,502Tax $426Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in New York
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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.
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