Median home value: $311K (+4.3% YoY). Rent: $1,395/mo. Price-to-rent: 18.6x. Part of Albany-Schenectady-Troy, NY.
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Basic Zillow data only. For stress scores, AI analysis, and trends, Albany-Schenectady-Troy, NY metro page.
Home Value$311,090
+4.3%
Rent$1,395/mo
AFFORDABILITYRenting $693/mo cheaper ($1,395 rent)6.00% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Schenectady.
$62,218 on $311,090
Stretch — 33.4% of income
Above 28% but manageable with cuts.
PITI$2,088
P/I33.4%
Afford$261K
Gap-$50K
P&I $1,492Tax $446Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing