393 3rd St · Troy, NY
Flood risk 9/10 · Severe
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.99%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $691 – $1,283
Heat risk 4/10 · Minor
- Hot days now (above 96°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 3/10 · Minor
- Chance of severe wind over 30 yrs
- 6.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +29.6/30.0
- ARV discount +15.0/15.0
- DSCR +10.0/10.0
- 1% rule +9.4/10.0
- Schools +4.9/10.0
- Livability +4.0/5.0
- Rent growth +3.7/5.0
- Condition / age +2.2/5.0
- Appreciation +0.0/10.0
$134,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This charming single family home located in the Osgood Neighborhood is perfect for owner occupants or investors. Sunny, cozy and ready for your personal touches, this unique property offers many different options. The yard is nicely landscaped and the enclosed rear porches provide great storage space too! Convenient location walkable to all downtown Troy has to offer. Schedule your showing today!
Key facts
- Oversized yard
- Swingset
- Enclosed rear porch
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.5-bath single-family listed at $134k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $428 ($5k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $134k).
- Recommended offer: $126k (6.0% below list) — sets the bar for market timing.
- Cap rate 10.6% vs local median 5.0% in Troy — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 81/100 on livability (#88 in NY, #1,350 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+; Watch: employment C-, crime F.
- Troy City School District (urban): math 44% / reading 46% proficiency, ranked #467 of 590 in NY (top 79%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Carroll Hill School (math 22% / reading 32%, grade F, #1,786 of 2,108 statewide, top 86%, 340 students, 85% FRL); Troy Middle School (math 22% / reading 43%, grade F, #504 of 729 statewide, top 70%, 786 students, 72% FRL); Troy High School (math 95% / reading 77%, grade A, #347 of 1,100 statewide, top 32%, 1,153 students, 64% FRL).
- Market conditions: Rents rising fast (+4.9%/yr); 298 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 64d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 405 units permitted in Rensselaer County in 2024 (224 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $926 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Rensselaer County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- At projected returns (-3.0% appreciation + 4.9% rent growth), your $38k cash investment doubles in ~8 years — after that, you're playing with house money.
Negotiation context
- It's been on market 85 days — a 6% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts since 6y ago; this cycle's ask has dropped $21k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $65k; list at $134k implies a 106% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: flood insurance adds $56/mo; built in 1836 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 85 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1836 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 1.44% ✓
- Cap rate
- 10.62%
- Cash-on-cash
- 15.45%
- DSCR
- 1.69
- GRM
- 5.8
CMA / ARV
- ARV (median comp)
- $198,848
- List price
- $134,000
- Delta
- -30.10%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 409 3rd St | 0.04mi | 3/1.5 | 1,590 (-8%) | 11mo | $275,000 | $173 | 75 |
| 374 3rd St | 0.06mi | 3/1.5 | 1,657 (-5%) | 18mo | $155,000 | $94 | 74 |
| 456 2nd St | 0.22mi | 3/2.0 | 1,640 (-6%) | 8mo | $176,000 | $107 | 72 |
| 11 Spring Ave | 0.59mi | 3/1.5 | 1,788 (+3%) | 4mo | $115,000 | $64 | 64 |
| 1009 5th Ave | 0.21mi | 2/2.5 (-1) | 1,596 (-8%) | 7mo | $179,000 | $112 | 62 |
| 84 Lincoln Ave | 0.38mi | 3/1.0 | 1,931 (+11%) | 9mo | $50,000 | $26 | 55 |
| 319 9th St | 0.62mi | 3/2.0 | 1,580 (-9%) | 6mo | $294,000 | $186 | 49 |
| 139 Delaware Ave | 0.57mi | 4/2.0 (+1) | 1,823 (+5%) | 13mo | $290,000 | $159 | 48 |
| 1048 Madison Ave | 0.61mi | 4/3.0 (+1) | 1,750 (+1%) | 23mo | $260,000 | $149 | 40 |
| 1 Birch St | 0.74mi | 3/1.0 | 1,496 (-14%) | 6mo | $57,000 | $38 | 36 |
| 20 Hopkins St | 0.71mi | 4/1.0 (+1) | 1,628 (-6%) | 18mo | $30,000 | $18 | 34 |
| 433 9th St | 0.68mi | 4/2.5 (+1) | 1,958 (+13%) | 11mo | $300,000 | $153 | 29 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 4.88% rent growth · sell at horizon
- IRR
- 6.2%
- Equity multiple
- 1.25×
- Total profit
- $9,356
- Equity at exit
- $19,980
- IRR
- 17.5%
- Equity multiple
- 2.59×
- Total profit
- $59,561
- Equity at exit
- $11,586
Cash invested: $37,520 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 15 Strongly Tenant-Friendly
- State New York
- 15 Strongly Tenant-Friendly · D+10
- County
- — inherits STATE
- City
- — inherits STATE
Active competition Active MLS
- For sale now
- 5 active · 11 under contract
- Months of supply
- 3.3 mo (30%/mo absorbed)
- Median asking
- $225,000 ($153/sqft)
- Median days on market
- 6 d
- This list price
- lowest-priced of the active set
- ARV vs active asking
- -25.1% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 12180
- Home prices YoY
- -33.3%
- Rents YoY
- 4.9%
- Active inventory
- 298
- Price-to-rent
- 5.8×
Monthly cashflow live
- Estimated rent
- $1,925 high interval (Pro) →
- Mortgage (P&I)
- −$703
- Tax from tax record
- −$279 /mo · $3,349/yr
- Insurance
- −$56
- Flood insurance flood zone
- −$56 /mo · $666/yr
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$404
- Net cashflow
- $428
Break-even live
Sensitivity live
| Price | -10% $503 | -5% $465 | +0% $428 | +5% $390 | +10% $352 |
|---|---|---|---|---|---|
| Rent | -10% $275 | -5% $351 | +0% $428 | +5% $504 | +10% $580 |
| Rate | -1.0pp $495 | -0.5pp $462 | base $428 | +0.5pp $393 | +1.0pp $357 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $33,500
- Closing costs
- $4,020
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 379 3rd St Troy, NY | 3.0 | 1.0 | 1150 | $1,750 | $1.52 | 15d | 1 | 0.04mi |
| 363 1st St Troy, NY | 3.0 | 2.5 | 1408 | $2,100 | $1.49 | 63d | 1 | 0.12mi |
| 363 1st St Troy, NY | 3.0 | 2.5 | 1408 | $2,100 | $1.49 | 70d | 1 | 0.12mi |
| 323 2nd St #1 Troy, NY | 2.0 | 1.0 | 1150 | $1,950 | $1.70 | 72d | 1 | 0.14mi |
| 305 2nd St Troy, NY | 4.0 | 1.0 | 1200 | $1,800 | $1.50 | 15d | 1 | 0.19mi |
| 355 4th St Troy, NY | 3.0 | 2.0 | 1203 | $1,750 | $1.45 | 72d | 1 | 0.21mi |
| 343 4th St Unit 2 Troy, NY | 4.0 | 1.0 | 1565 | $1,900 | $1.21 | 16d | 1 | 0.26mi |
| 306 3rd St Troy, NY | 3.0 | 1.0 | 1100 | $1,700 | $1.55 | 72d | 1 | 0.26mi |
| 334 4th St Troy, NY | 2.0 | 1.0 | 1200 | $1,450 | $1.21 | 16d | 1 | 0.29mi |
| 114 Ida St Unit 1 Troy, NY | 3.0 | 1.0 | 1100 | $1,345 | $1.22 | 16d | 1 | 0.32mi |
| 2 River St Troy, NY | 2.0 | 1.0–2.5 | 1005 | $2,650 | $2.64 | 15d | 8 | 0.46mi |
| 809 Broadway #2 Watervliet, NY | 3.0 | 1.0 | 1100 | $1,625 | $1.48 | 93d | 1 | 0.52mi |
| 649 4th St Unit 2 Troy, NY | 3.0 | 1.0 | 1200 | $1,345 | $1.12 | 72d | 1 | 0.56mi |
| 11 Spring Ave Troy, NY | 3.0 | 2.0 | 1788 | $2,500 | $1.40 | 72d | 1 | 0.60mi |
| 209 13th St Watervliet, NY | 4.0 | 1.0 | 1100 | $1,700 | $1.55 | 15d | 1 | 0.68mi |
| 53-55 Congress St Troy, NY | 2.0 | 1.0 | 1500 | $1,700 | $1.13 | 72d | 1 | 0.84mi |
| 53-55 Congress St Troy, NY | 2.0 | 1.0 | 1500 | $1,700 | $1.13 | 16d | 1 | 0.84mi |
| 65 3rd St Troy, NY | 2.0 | 1.0 | 1300 | $2,795 | $2.15 | 15d | 1 | 0.84mi |
| 65 3rd St Troy, NY | 2.0 | 2.0 | 1185 | $2,995 | $2.53 | 72d | 1 | 0.84mi |
| 155 River St Unit 3C Troy, NY | 2.0 | 1.0 | 1100 | $2,000 | $1.82 | 63d | 1 | 0.86mi |
| 509 5th Ave Unit 9 Watervliet, NY | 3.0 | 1.0 | 1100 | $1,800 | $1.64 | 63d | 1 | 0.86mi |
| 1611 6th Ave Troy, NY | 1.0–2.0 | 1.0–2.0 | 1024 | $3,000 | $2.93 | 15d | 18 | 0.88mi |
| 1513 5th Ave Unit 2 Watervliet, NY | 3.0 | 1.0 | 1200 | $1,550 | $1.29 | 63d | 1 | 0.88mi |
| 1534 5th Ave #1 Watervliet, NY | 3.0 | 1.0 | 1200 | $1,595 | $1.33 | 93d | 1 | 0.90mi |
| 51 14th St Unit 2 Troy, NY | 4.0 | 2.0 | 2000 | $725 | $0.36 | 68d | 1 | 0.91mi |
| 17 State St Troy, NY | 4.0 | 1.0–1.5 | 1810 | $3,049 | $1.68 | 15d | 6 | 0.93mi |
| 53 13th St Troy, NY | 4.0 | 1.0 | 1500 | $650 | $0.43 | 68d | 1 | 0.93mi |
| 36 Farm St Troy, NY | 4.0 | 2.0 | 1100 | $695 | $0.63 | 63d | 1 | 0.96mi |
| 79 14th St Unit 2 Troy, NY | 4.0 | 1.0 | 1500 | $650 | $0.43 | 68d | 1 | 0.96mi |
| 79 14th St Unit 1 Troy, NY | 3.0 | 1.0 | 1500 | $650 | $0.43 | 68d | 1 | 0.96mi |
| 88 14th St Unit 2 Troy, NY | 4.0 | 1.0 | 1500 | $650 | $0.43 | 68d | 1 | 0.99mi |
| 97 14th St Troy, NY | 4.0 | 2.0 | 1500 | $650 | $0.43 | 68d | 1 | 1.00mi |
| 200 Broadway Troy, NY | 2.0 | 1.0 | 1200 | $2,370 | $1.98 | 15d | 1 | 1.02mi |
| 1708 Highland Ave Unit 3 Troy, NY | 3.0 | 1.0 | 1485 | $595 | $0.40 | 68d | 1 | 1.03mi |
| 1820 Highland Ave Unit 2 Troy, NY | 4.0 | 2.0 | 1680 | $725 | $0.43 | 68d | 1 | 1.15mi |
| 2001 5th Ave Troy, NY | 2.0 | 1.0–2.0 | 850 | $2,650 | $3.12 | 15d | 8 | 1.21mi |
| 10 Idlewild Park #2 Watervliet, NY | 3.0 | 1.0 | 1100 | $1,500 | $1.36 | 15d | 1 | 1.21mi |
| 100 Vandenburgh Pl Troy, NY | 1.0–3.0 | 1.0–1.5 | 1034 | $2,291 | $2.22 | 15d | 9 | 1.23mi |
| 2002 Federal St Troy, NY | 2.0 | 1.0–2.0 | 830 | $3,450 | $4.16 | 15d | 35 | 1.25mi |
| 2433 Broadway Unit 2 Watervliet, NY | 3.0 | 1.0 | 1200 | $1,745 | $1.45 | 15d | 1 | 1.26mi |
Property features AI
Exterior
- Utilities
- 100 amp electrical servicePublic waterPublic sewer
- Home design
- Single family residenceDescribed as fixer condition
- Construction
- Drywall constructionBrick/mortar foundationFlat rubber roof
- Exterior features
- Rear covered enclosed porchPatioBack yard fencingLevel, cleared lot with garden
Interior
- Kitchen
- OvenRangeRefrigerator
- Bedrooms
- Three bedrooms located on the second level
- Flooring
- Vinyl flooringCarpet
- Bathrooms
- One full bathroom on the first floorOne half bathroom on the second floor
- Heating & cooling
- Forced air heatingWindow air conditioning units
- Interior features
- 10 total roomsFull unfinished basement
- Laundry & utility
- First-floor laundry room
Listing history 50 events
-
2026-08-08days on market $134,000 Active 85 DOM
-
2026-08-07days on market $134,000 Active 84 DOM
-
2026-08-06days on market $134,000 Active 83 DOM
-
2026-08-05days on market $134,000 Active 82 DOM
-
2026-08-04days on market $134,000 Active 81 DOM
-
2026-08-03pricedays on market $134,000 Active 80 DOM
-
2026-07-31days on market $139,000 Active 77 DOM
-
2026-07-29days on market $139,000 Active 75 DOM
-
2026-07-27days on market $139,000 Active 73 DOM
-
2026-07-25days on market $139,000 Active 71 DOM
-
2026-07-23days on market $139,000 Active 69 DOM
-
2026-07-22days on market $139,000 Active 68 DOM
-
2026-07-21days on market $139,000 Active 67 DOM
-
2026-07-18days on market $139,000 Active 64 DOM
-
2026-07-16days on market $139,000 Active 62 DOM
-
2026-07-16days on market $139,000 Active 61 DOM
-
2026-07-14days on market $139,000 Active 60 DOM
-
2026-07-14days on market $139,000 Active 59 DOM
-
2026-07-12days on market $139,000 Active 58 DOM
-
2026-07-11days on market $139,000 Active 57 DOM
-
2026-07-10days on market $139,000 Active 56 DOM
-
2026-07-09pricedays on market $139,000 Active 55 DOM
-
2026-07-07days on market $145,000 Active 53 DOM
-
2026-07-06days on market $145,000 Active 52 DOM
-
2026-07-05days on market $145,000 Active 51 DOM
-
2026-07-04days on market $145,000 Active 50 DOM
-
2026-07-03days on market $145,000 Active 49 DOM
-
2026-07-02days on market $145,000 Active 48 DOM
-
2026-07-01days on market $145,000 Active 47 DOM
-
2026-06-30days on market $145,000 Active 46 DOM
-
2026-06-29days on market $145,000 Active 45 DOM
-
2026-06-28days on market $145,000 Active 44 DOM
-
2026-06-28days on market $145,000 Active 43 DOM
-
2026-06-27days on market $145,000 Active 42 DOM
-
2026-06-25days on market $145,000 Active 40 DOM
-
2026-06-23days on market $145,000 Active 38 DOM
-
2026-06-21days on market $145,000 Active 37 DOM
-
2026-06-18days on market $145,000 Active 34 DOM
-
2026-06-17days on market $145,000 Active 33 DOM
-
2026-06-16days on market $145,000 Active 32 DOM
-
2026-06-15days on market $145,000 Active 31 DOM
-
2026-06-14days on market $145,000 Active 29 DOM
-
2026-06-13days on market $145,000 Active 28 DOM
-
2026-06-10days on market $145,000 Active 26 DOM
-
2026-06-09days on market $145,000 Active 25 DOM
-
2026-06-08days on market $145,000 Active 24 DOM
-
2026-06-07days on market $145,000 Active 23 DOM
-
2026-06-03pricedays on market $145,000 Active 19 DOM
-
2026-06-02days on market $155,000 Active 18 DOM
-
2026-06-01days on market $155,000 Active 17 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast NY · Partial reset (capped growth)
- Current annual tax
- $3,349 · $279/mo
- Projected year-2 tax
- $3,349 · $279/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 9/10 Extreme FEMA zone X (shaded) · 99% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 4/10 Moderate 7 d/yr ≥96°F today · 17 d/yr by 30 yrs out
- Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $23,099
- − Mortgage interest
- −$7,506
- − Property taxes
- −$3,349
- − Insurance
- −$1,336
- − Repairs & maintenance
- −$1,848
- − Management
- −$1,848
- − Depreciation
- −$3,898
- Taxable income
- $3,313
- Est. tax owed @ 24.0%
- −$795
- After-tax cash flow
- $4,335/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 9 photos
The home is in fair condition with some repairs and maintenance needed. Painting the exterior siding and landscaping can significantly increase its resale and rental value.
Components & finishes AI
Repairs flagged
- Major Front porch — Peeling paint and structural issues.
Value-add opportunities
- Resale Painting the exterior siding — Painting the exterior siding can improve the home's curb appeal and make it more attractive to potential buyers. ↑
- Rental Landscaping and trimming the overgrown vegetation — A well-maintained yard can attract more tenants and make the home more appealing for rental. ↑
ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
Schools (NCES district)
- District
- Troy City School District
- NCES district ID
- 3628950
- Math proficiency
- 44% ▲ 6.00%
- Reading proficiency
- 46% ▲ 6.00%
- Median HH income
- $42,143
- Composite
- 37.89/100
- National rank
- #4318
- State rank
- #467 of 590 in NY
Livability — Troy
- Score
- 81/100
- State rank
- #88
- US rank
- #1350
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Troy, NY
- County
- Rensselaer County · 162,400 people
- City population
- 53,479
- Metro
- Albany-Schenectady-Troy, NY
- Population (ZIP)
- 53,479
- Household income
- $75,851
- Rent vs Own
- Severe rent burden
- 12% of renters
Population outlook (Rensselaer County) Hauer SSP2
- Today (2025)
- 162,400 people
- By 2030
- 161,746 · -0.4%
- By 2040
- 158,095 · -2.7%
- By 2050
- 152,966 · -5.8%
- By 2075
- 140,767 · -13.3%
- By 2100
- 124,727 · -23.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (70%)
- Race & ethnicity
- White 70% Black 12% Hispanic / Latino 8% Two or more races 8% Asian 5%
- Hispanic origin (detail)
- Mexican 1% Puerto Rican 4%
- Common ancestry
- Romanian 5% Lithuanian 5% Slovak 1%
- Foreign-born
- 10% · Canada, China
- Languages at home
- 88% English-only · Spanish 4% Other Indo-European 2% Arabic 2%
Political lean MEDSL · Rensselaer
- 2024 margin
- Toss-up / Even · D 50.7% · R 49.3%
- 2008→2024 swing
- -8.0pp toward R · 2008: 9.3pp · 2024: 1.4pp
- All cycles
- 2024: D+1.4 2020: D+5.6 2016: R+2.9 2012: D+11.8 2008: D+9.3
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -142.53%
- Current HPI
- 285.0762
- Rent YoY
- ▲ 4.88%
- Metro
- Albany-Schenectady-Troy, NY
- State GDP YoY
- ▲ 2.60%
- F500 in state
- 92
Industry mix (Fortune 500 HQ in NY)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Financial Services | 10 | $950B |
|
||
| Consumer Goods | 9 | $162B |
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| Insurance | 4 | $225B |
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| Telecommunications | 2 | $144B |
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| Pharmaceuticals | 2 | $112B |
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| Media / Entertainment | 2 | $69B |
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Price history
+93.6% since first listed6 events — show timeline
- 2026-06-03 Price Changed $145,000 Global MLS
- 2026-05-15 Listed $155,000 Global MLS
- 2021-02-12 Sold (Public Records) $65,000 Public Records
- 2021-02-10 Sold (MLS) $65,000 Global MLS
- 2021-01-19 Pending — Global MLS
- 2020-12-19 Listed $74,900 Global MLS
Property tax history
+15.9%/yrLatest (2025): $3,349 · -22.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…