The story of this market
The typical home in Schenectady County, New York sells for about $254,861, or $182 per square foot.
Prices are up +6.2% from a year ago, so sellers still have some momentum. Homes take about 45 days to sell. Over the long run, values in this county have grown 156% since 2000. Last year 24 of 33 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,711 a month.
HUD sets the fair market rent for a 2-bedroom at $1,711 a month. FEMA's National Risk Index rates overall hazard risk here as Very Low.
Price climate
Every year of price change, 2000–2025
+3.5%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2005 (+14.1%). Worst: 2008 (-1.9%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.5%
NY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,039
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+3.5%
2025 change
FHFA repeat-sales index, median of 33 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
14
Very Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $32,361,641.
Mortgage activity
Home lending in this county
76.2%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 6331 | 3391 | 76.2% | 2.4% | $165,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Schenectady County, New York
Schenectady County's housing market remains highly competitive with low inventory levels driving price appreciation. While sales volume has seen modest growth, the limited supply continues to put upward pressure on home prices. Buyers are facing a fast-paced environment with homes selling quickly.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 12 cities · 16 ZIP reports
Median prices moved up 40.2% year over year.
Homes spend a median of 37 days on market with 0.1 months of supply — a fast-moving market.
1% of listings have cut prices · homes sell at 5.25% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 10.5% — a stable, low-distress profile.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 16 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 20
researched Sep 16
researched Sep 16
researched Sep 17
researched Sep 18
researched Sep 19
researched Oct 22
researched Sep 16
researched Sep 17
researched Sep 18
| 12010 | Amsterdam | $283,200 | $126 | 0% | 64 | — | — | — | 84 | $1,000 | researched Sep 20 |
| 12053 | Town of Duanesburg | $358,000 | $249 | +89.8% | 49 | — | — | — | 50 | $788 | researched Sep 16 |
| 12056 | Town of Duanesburg | $365,000 | $245 | +5.1% | 46 | — | — | — | 22 | $1,332 | researched Sep 16 |
| 12137 | Pattersonville | $325,000 | $185 | +4.2% | 42 | 100% | 15% | 4 | 12 | $3,501 | researched Sep 17 |
| 12148 | Rexford | $355,000 | $236 | +4.3% | 24 | — | — | — | 1,063 | $1,028 | researched Sep 18 |
| 12150 | Rotterdam Junction | $313,000 | $185 | +14.3% | 32 | 101% | 15% | 3.5 | 459 | $1,600 | researched Sep 19 |
| 12301 | Schenectady | — | — | — | — | — | — | — | — | $1,590 | researched Oct 22 |
| 12302 | Schenectady | $290,000 | $225 | +4% | 37 | 100% | — | — | 51 | $1,247 | researched Sep 16 |
| 12303 | Schenectady | $299,000 | $214 | +2.4% | 42 | 98.5% | 18% | 2.8 | 89 | $1,140 | researched Sep 17 |
| 12304 | Schenectady | $245,000 | $185 | +4.2% | 22 | 98.5% | 15% | 2.8 | 48 | $1,100 | researched Sep 18 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (New York) — Income-Based Assessment for Affordable Rental Housing: The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs. State (New York) — Real Property Tax Assessment: Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions.
- Urban Air Trampoline and Adventure Park4.312.7 mi
- Liberty Ridge Farm4.318.1 mi
- Dave & Buster's Albany4.112.9 mi
- Spare Time Clifton Park4.311.1 mi
- Sky Zone Clifton Park4.110.3 mi
- Crossgates Mall4.312.9 mi
- Saratoga Performing Arts Center (SPAC)4.516.8 mi
- MVP Arena4.318.1 mi
- Saratoga Race Course4.718.9 mi
- Indian Ladder Farms4.513.4 mi
- John Boyd Thacher State Park4.813.9 mi
- New York State Capitol4.617.8 mi
- New York State Museum4.717.9 mi
- VIA Aquarium4.32.8 mi
- Proctors4.73.3 mi
- New York State Capitol4.617.8 mi
- New York State Museum4.717.9 mi
- Saratoga National Historical Park4.820.3 mi
- Saratoga Automobile Museum4.616.9 mi
- miSci | Museum of Innovation & Science4.43.6 mi
- John Boyd Thacher State Park4.813.9 mi
- Saratoga Spa State Park4.817 mi
- The Crossings Park of Colonie4.713.4 mi
- Peebles Island State Park4.715.8 mi
- Central Park4.65 mi
- Lee's Park4.319.4 mi
- Town of Stillwater Brown's Beach4.315.4 mi
- Mohawk Harbor4.63.1 mi
- Albany Yacht Club4.518.8 mi
- Point Breeze Marine3.719.3 mi
- Saratoga National Golf Club4.518.9 mi
- Eagle Crest Golf Club4.47.2 mi
- Capital Hills at Albany4.516 mi
- Saratoga Lake Golf Club4.115.6 mi
- Saratoga Spa Golf Course4.417 mi
- Crossgates Mall4.312.9 mi
- Colonie Center4.312.8 mi
- Stuyvesant Plaza4.413.6 mi
- Indian Ladder Farms4.513.4 mi
- Kohl's410.7 mi
- Albany International Airport4.111.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
data.census.gov
applies when — Applies to residential rental property where at least 20% of units are subject to an agreement restricting occupancy to income-qualified tenants.
The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs.
N.Y. Real Property Tax Law Section 581-A
New York is a judicial foreclosure state, meaning the lender must file a lawsuit in court to foreclose on a property. The process typically takes approximately one year from the start of the case to the sale of the home.
New York Real Property Actions and Proceedings Law
applies when — Applies to the sale of residential real property (up to four units).
Sellers are required to provide a Property Condition Disclosure Statement to the buyer. Failure to provide the statement may result in a credit of $500 to the buyer at closing. Knowingly false or incomplete statements may subject the seller to legal claims.
New York Real Property Law Article 14, Section 462
Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions. Owners of one, two, or three-family owner-occupied residential property have the right to Small Claims Assessment Review (SCAR) to challenge assessments.
New York Real Property Tax Law Article 3 and 7
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.