The median home in Schenectady, New York is valued at $311,090, up 4.3% year over year. Typical monthly rent is $1,395, producing a price-to-rent ratio of 18.6x — near the national average of 18x. Schenectady 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$311,090
+4.3%
Rent$1,395/mo
AFFORDABILITYRenting $774/mo cheaper ($1,395 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Schenectady.
$62,218 on $311,090
Stretch — 34.7% of income
Above 28% but manageable with cuts.
PITI$2,169
P/I34.7%
Afford$251K
Gap-$60K
P&I $1,573Tax $446Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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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.
View Albany-Schenectady-Troy, NY metro →