Duplex
11 Miller Ave · Cohoes, NY
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 2/10 · Minimal
- Est. fire insurance / yr
- $691 – $1,283
Heat risk 3/10 · Minor
- Hot days now (above 98°F)
- 7 days/yr
- Hot days in 30 yrs
- 16 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 A- 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 +30.0/30.0
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Schools +4.9/10.0
- Rent growth +4.4/5.0
- Livability +4.2/5.0
- Condition / age +2.2/5.0
- Appreciation +0.0/10.0
$249,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed
Listing remarks
Rare Opportunity. One Owner, Two-Family Investment Opportunity in Cohoes' Desirable ''Hill'' This property is an ideal setup for allowing an owner-occupant to live in one unit while the rental income from the second unit helps offset mortgage payments. Spacious yard with Garage, Shed, Hardwood floors.
Key facts
- Spacious yard
- Hardwood floors
- 0.23 acre lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2 × 3-bed/1.0-bath units multifamily listed at $250k. Condition is rated fair.
- This rent per unit runs 34% of the median local income ($66k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Deal economics
- At list price, monthly cash flow is $1k ($18k/yr) — positive. Per door: $736/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($4k rent vs $250k).
- Recommended offer: $227k (9.0% below list) — sets the bar for market timing.
- Cap rate 13.4% vs local median 5.1% in Cohoes — 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 83/100 on livability (#61 in NY, #895 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+; Watch: employment C-.
- Cohoes City School District (suburban): math 38% / reading 48% proficiency, ranked #487 of 590 in NY (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Harmony Hill School (math 37% / reading 42%, grade F, #1,444 of 2,108 statewide, top 71%, 379 students, 63% FRL); Cohoes Middle School (math 19% / reading 49%, grade F, #497 of 729 statewide, top 69%, 441 students, 68% FRL); Cohoes High School (math 72% / reading 74%, grade B+, #665 of 1,100 statewide, top 61%, 554 students, 63% FRL).
- Market conditions: Rents rising fast (+7.6%/yr); 183 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals lingering (median 110d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 69% of comp listings sitting > 30 days — soft ceiling on asking rent; 675 units permitted in Albany County in 2024 (451 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
- Albany County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
- At projected returns (-3.0% appreciation + 7.6% rent growth), your $70k cash investment doubles in ~5 years — after that, you're playing with house money.
Negotiation context
- It's been on market 97 days — a 9% lower offer ($227k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: built in 1949 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1949 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- 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.
- 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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.52% ✓
- Cap rate
- 13.36%
- Cash-on-cash
- 25.25%
- DSCR
- 2.12
- GRM
- 5.5
CMA / ARV
- ARV (median comp)
- $436,789
- List price
- $249,900
- Delta
- -42.79%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 9 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1 Dudley Ave | 0.81mi | 4/2.0 | 2,088 (-7%) | 2mo | $293,000 | $140 | 51 |
| 141 Johnston Ave | 1.03mi | 4/2.0 | 2,068 (-8%) | 0mo | $350,000 | $169 | 51 |
| 100 Edward St | 0.41mi | 5/2.0 (+1) | 2,400 (+7%) | 22mo | $365,000 | $152 | 46 |
| 44 Masten Ave | 1.09mi | 4/2.0 | 1,980 (-12%) | 2mo | $237,350 | $120 | 43 |
| 35 Mangam St | 1.04mi | 4/4.0 | 2,320 (+3%) | 13mo | $356,000 | $153 | 41 |
| 48 Watervliet Ave | 0.81mi | 5/2.5 (+1) | 2,344 (+4%) | 13mo | $143,000 | $61 | 40 |
| 20 Division St | 0.76mi | 5/2.0 (+1) | 2,300 (+2%) | 21mo | $160,000 | $70 | 38 |
| 121 Harvard St | 0.50mi | 3/2.0 (-1) | 1,986 (-12%) | 24mo | $330,000 | $166 | 33 |
| 99 Johnston Ave | 1.11mi | 4/2.0 | 1,960 (-13%) | 23mo | $195,000 | $99 | 25 |
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 · 7.6% rent growth · sell at horizon
- IRR
- 23.6%
- Equity multiple
- 2.02×
- Total profit
- $71,568
- Equity at exit
- $37,261
- IRR
- 34.1%
- Equity multiple
- 4.80×
- Total profit
- $265,630
- Equity at exit
- $21,607
Cash invested: $69,972 (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
- 0 active · 2 under contract
- Months of supply
- 0.0 mo
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 12047
- Home prices YoY
- -10.7%
- Rents YoY
- 7.6%
- Active inventory
- 183
- Price-to-rent
- 11.0×
Monthly cashflow live
- Estimated rent
- $3,790 high interval (Pro) →
- Mortgage (P&I)
- −$1,311
- Tax from tax record
- −$107 /mo · $1,285/yr
- Insurance
- −$104
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$796
- Net cashflow
- $1,472
2-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 3 | 1 | $3,790 |
| #1 | 3 | 1 | $1,895 |
| #2 | 3 | 1 | $1,895 |
| Total (2 units) | $3,790 | ||
Break-even live
Sensitivity live
| Price | -10% $1,614 | -5% $1,543 | +0% $1,472 | +5% $1,402 | +10% $1,331 |
|---|---|---|---|---|---|
| Rent | -10% $1,173 | -5% $1,323 | +0% $1,472 | +5% $1,622 | +10% $1,772 |
| Rate | -1.0pp $1,598 | -0.5pp $1,536 | base $1,472 | +0.5pp $1,408 | +1.0pp $1,342 |
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
- $62,475
- Closing costs
- $7,497
- 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 38 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 8 Cindy Way Cohoes, NY | 3.0 | 1.5 | 1420 | $2,300 | $1.62 | 139d | 1 | 0.55mi |
| 28 Leversee Ave Cohoes, NY | 2.0 | 1.0 | 1000 | $1,700 | $1.70 | 139d | 1 | 0.76mi |
| 4 Front St Cohoes, NY | 4.0 | 1.5 | 1700 | $2,095 | $1.23 | 0d | 1 | 0.83mi |
| 6 Hamilton Pl Unit 2 Cohoes, NY | 3.0 | 1.0 | 2300 | $1,999 | $0.87 | 114d | 1 | 0.83mi |
| 3 Cataract St Apt 2 Cohoes, NY | 2.0 | 1.0 | — | $1,200 | — | 6d | 1 | 0.84mi |
| 100 N Mohawk St Cohoes, NY | 1.0–3.0 | 1.0–2.5 | 1824 | $3,675 | $2.01 | 0d | 38 | 0.87mi |
| 1133 Loudon Rd Cohoes, NY | 2.0 | 2.0 | 1300 | $2,250 | $1.73 | 110d | 1 | 0.88mi |
| 1133 Loudon Rd Cohoes, NY | 2.0 | 2.0 | 1300 | $2,395 | $1.84 | 0d | 1 | 0.88mi |
| 47 Vliet St Unit 1 Cohoes, NY | 2.0 | 1.0 | 700 | $1,175 | $1.68 | 6d | 1 | 0.90mi |
| 3 Hamilton St #1 Cohoes, NY | 3.0 | 1.0 | 800 | $1,185 | $1.48 | 6d | 1 | 0.92mi |
| 1 Hamilton St #2 Cohoes, NY | 4.0 | 1.0 | 900 | $1,250 | $1.39 | 62d | 1 | 0.92mi |
| 1 Hamilton St Unit 1 Cohoes, NY | 2.0 | 1.0 | 800 | $1,095 | $1.37 | 119d | 1 | 0.92mi |
| 12-16 Mangam St Unit 12B Cohoes, NY | 2.0 | 1.0 | 850 | $1,225 | $1.44 | 139d | 1 | 0.95mi |
| 39 Harmony St Apt 1 Cohoes, NY | 2.0 | 1.0 | — | $1,274 | — | 6d | 1 | 0.96mi |
| 31 Willow St Cohoes, NY | 2.0 | 1.0 | 1000 | $1,400 | $1.40 | 6d | 1 | 1.02mi |
| 591 Boght Rd Unit 4 Cohoes, NY | 2.0 | 2.0 | — | $1,700 | — | 6d | 1 | 1.06mi |
| 45 Johnston Ave Cohoes, NY | 2.0 | 2.0 | 1262 | $2,112 | $1.67 | 0d | 3 | 1.07mi |
| 50 Mann Ave Unit 2 Cohoes, NY | 2.0 | 1.0 | 1300 | $1,800 | $1.38 | 119d | 1 | 1.09mi |
| 42 Johnston Ave Unit 6 Cohoes, NY | 2.0 | 1.0 | — | $1,875 | — | 62d | 1 | 1.13mi |
| 42 Johnston Ave Unit 5 Cohoes, NY | 2.0 | 1.0 | — | $1,750 | — | 62d | 1 | 1.13mi |
| 60 McElwain Ave Unit 1 Cohoes, NY | 4.0 | 1.0 | — | $1,400 | — | 117d | 1 | 1.13mi |
| 60 McElwain Ave Unit 1 Cohoes, NY | 4.0 | 1.0 | 1000 | $1,495 | $1.50 | 139d | 1 | 1.13mi |
| 29 Walnut St Unit / 2nd Floor Cohoes, NY | 3.0 | 1.0 | 1200 | $1,700 | $1.42 | 139d | 1 | 1.15mi |
| 27 McElwain Ave Cohoes, NY | 2.0 | 2.0 | 2000 | $2,300 | $1.15 | 139d | 1 | 1.17mi |
| 607 Boght Rd Cohoes, NY | 3.0 | 1.0 | 1203 | $2,195 | $1.82 | 62d | 1 | 1.20mi |
| 607 Boght Rd Cohoes, NY | 3.0 | 1.0 | 1203 | $2,195 | $1.82 | 117d | 1 | 1.20mi |
| 121 Columbia Gdns Cohoes, NY | 1.0–3.0 | 1.0–2.0 | 863 | $2,442 | $2.83 | 0d | 8 | 1.21mi |
| 8 Hill St #1 Waterford, NY | 2.0 | 1.0 | 1100 | $1,550 | $1.41 | 5d | 1 | 1.30mi |
| 12 1st Ave #2 Waterford, NY | 2.0 | 1.0 | 1200 | $1,550 | $1.29 | 0d | 1 | 1.32mi |
| 43 Stacey Ct Cohoes, NY | 2.0 | 2.0 | 1302 | $2,400 | $1.84 | 119d | 1 | 1.35mi |
| 300 Ontario St Cohoes, NY | 3.0 | 1.0 | 1100 | $1,600 | $1.45 | 110d | 1 | 1.36mi |
| 10 Congress St #2 Cohoes, NY | 2.0 | 1.0 | — | $1,275 | — | 139d | 1 | 1.39mi |
| 134 Remsen St Cohoes, NY | 1.0–2.0 | 1.0 | 789 | $1,925 | $2.44 | 0d | 28 | 1.42mi |
| 124 Columbia St Fl 2 Cohoes, NY | 2.0 | 1.0 | 1200 | $1,400 | $1.17 | 110d | 1 | 1.43mi |
| 28 White St Apt 1 Cohoes, NY | 3.0 | 1.0 | 1000 | $2,000 | $2.00 | 62d | 1 | 1.44mi |
| 12 White St Cohoes, NY | 1.0–2.0 | 1.0–2.0 | — | $2,895 | — | 0d | 3 | 1.48mi |
| 12 White St Cohoes, NY | 3.0 | 2.0 | 1790 | $2,895 | $1.62 | 114d | 1 | 1.48mi |
| 53 Main St Unit 3 Cohoes, NY | 3.0 | 1.0 | 1200 | $1,245 | $1.04 | 6d | 1 | 1.49mi |
Property features AI
Finance
- Financial info
- Two-unit property — tenant pays sewer; owner pays water and sewer
Exterior
- Parking
- Two garage spacesTotal of six parking spacesOff-street paved parking and workshop space in the garage
- Utilities
- 150 Amp electric service with circuit breakersPublic waterPublic sewer
- Home design
- DuplexTotal living area approximately 2,251Block foundationAluminum siding
- Construction
- Aluminum siding constructionBlock foundationAsphalt roof
- Exterior features
- Asphalt roofBack yard fencing
Interior
- Kitchen
- Each unit includes a kitchen
- Bedrooms
- Two units, each with three bedrooms — one unit's bedrooms on the 1st floor
- Flooring
- CarpetHardwoodLaminate
- Bathrooms
- Two full bathrooms total — one full bath on the 1st floor and one full bath on the 2nd floor
- Heating & cooling
- Heating provided (baseboard, hot water, natural gas)
- Interior features
- Carpet, hardwood, and laminate flooringBilco doors with interior basement entry
- Laundry & utility
- Washer hookupElectric dryer hookupLaundry available on main and upper levels
Listing history 50 events
-
2026-09-24days on market $249,900 Active 97 DOM
-
2026-09-23days on market $249,900 Active 96 DOM
-
2026-09-22days on market $249,900 Active 95 DOM
-
2026-09-21days on market $249,900 Active 94 DOM
-
2026-09-20pricedays on market $249,900 Active 93 DOM
-
2026-09-19days on market $259,900 Active 92 DOM
-
2026-09-18days on market $259,900 Active 91 DOM
-
2026-09-17days on market $259,900 Active 90 DOM
-
2026-09-16days on market $259,900 Active 89 DOM
-
2026-09-15days on market $259,900 Active 88 DOM
-
2026-09-14days on market $259,900 Active 87 DOM
-
2026-09-13days on market $259,900 Active 86 DOM
-
2026-09-12days on market $259,900 Active 85 DOM
-
2026-09-11pricestatus $259,900 Active 84 DOM
-
2026-08-28status $285,000 Pending 84 DOM
-
2026-08-28days on market $285,000 Active 84 DOM
-
2026-08-27days on market $285,000 Active 83 DOM
-
2026-08-26days on market $285,000 Active 82 DOM
-
2026-08-25days on market $285,000 Active 81 DOM
-
2026-08-24days on market $285,000 Active 80 DOM
-
2026-08-23days on market $285,000 Active 79 DOM
-
2026-08-22days on market $285,000 Active 78 DOM
-
2026-08-21days on market $285,000 Active 77 DOM
-
2026-08-20pricedays on market $285,000 Active 76 DOM
-
2026-08-19days on market $299,000 Active 75 DOM
-
2026-08-18days on market $299,000 Active 74 DOM
-
2026-08-17days on market $299,000 Active 73 DOM
-
2026-08-16days on market $299,000 Active 72 DOM
-
2026-08-15days on market $299,000 Active 71 DOM
-
2026-08-14days on market $299,000 Active 70 DOM
-
2026-08-13days on market $299,000 Active 69 DOM
-
2026-08-12days on market $299,000 Active 68 DOM
-
2026-08-11days on market $299,000 Active 67 DOM
-
2026-08-10days on market $299,000 Active 66 DOM
-
2026-08-09days on market $299,000 Active 65 DOM
-
2026-08-08days on market $299,000 Active 64 DOM
-
2026-08-07days on market $299,000 Active 63 DOM
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2026-08-06days on market $299,000 Active 62 DOM
-
2026-08-05days on market $299,000 Active 61 DOM
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2026-08-04days on market $299,000 Active 60 DOM
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2026-08-03pricedays on market $299,000 Active 59 DOM
-
2026-07-31days on market $314,000 Active 56 DOM
-
2026-07-30days on market $314,000 Active 55 DOM
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2026-07-29statusdays on market $314,000 Active 54 DOM
-
2026-06-13statusdays on market $314,000 Pending 52 DOM
-
2026-06-10days on market $314,000 Active 51 DOM
-
2026-06-09days on market $314,000 Active 50 DOM
-
2026-06-08days on market $314,000 Active 49 DOM
-
2026-06-07pricedays on market $314,000 Active 48 DOM
-
2026-06-03days on market $324,000 Active 44 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
- $1,285 · $107/mo
- Projected year-2 tax
- $2,754 · $230/mo
- Expected delta
- +$1,469/yr (+$122/mo · 114.3%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 2/10 Low
- Heat 3/10 Moderate 7 d/yr ≥98°F today · 16 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
- $45,480
- − Mortgage interest
- −$13,998
- − Property taxes
- −$1,285
- − Insurance
- −$1,250
- − Repairs & maintenance
- −$3,638
- − Management
- −$3,638
- − Depreciation
- −$7,270
- Taxable income
- $14,401
- Est. tax owed @ 24.0%
- −$3,456
- After-tax cash flow
- $14,213/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 property is in fair condition with some minor repairs needed in the kitchen and major repairs in the bathrooms and HVAC system. Painting and landscaping can significantly increase its value.
Components & finishes AI
Deferred maintenance Est. $3,000–$12,000 screening
- Minor Roof (roof) — No visible signs of damage or wear on the roof.
- Minor Windows (windows) — No visible signs of damage or wear on the windows.
- Minor Electrical (electrical) — No visible signs of damage or wear on the electrical components.
- Minor Plumbing (plumbing) — No visible signs of damage or wear on the plumbing.
- Minor Exterior (exterior) — No visible signs of damage or wear on the exterior.
- Minor Other — No visible signs of damage or wear on other components.
Repairs flagged
- Minor Kitchen cabinets — The cabinets appear to be in good condition with no visible damage.
- Major Bathrooms — The bathrooms are not visible in the provided photos, but they may require updates.
- Major HVAC system — The HVAC system is not visible in the provided photos, but it may require maintenance or replacement.
Value-add opportunities
- Both Painting the interior and exterior — Painting can improve the curb appeal and interior aesthetics, making the property more attractive to potential buyers or renters. ↑
- Both Landscaping — Landscaping can enhance the curb appeal and make the property more inviting to potential buyers or renters. ↑
ⓘ 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
- Cohoes City School District
- NCES district ID
- 3607980
- Math proficiency
- 38% ▼ -4.00%
- Reading proficiency
- 48% ▲ 3.00%
- Median HH income
- $45,104
- Composite
- 36.48/100
- National rank
- #4655
- State rank
- #487 of 590 in NY
Livability — Cohoes
- Score
- 83/100
- State rank
- #61
- US rank
- #895
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Cohoes, NY
- County
- Albany County · 320,794 people
- City population
- 23,532
- Metro
- Albany-Schenectady-Troy, NY
- Population (ZIP)
- 23,532
- Household income
- $66,071
- Rent vs Own
- Severe rent burden
- 6% of renters
Population outlook (Albany County) Hauer SSP2
- Today (2025)
- 320,794 people
- By 2030
- 327,401 · +2.1%
- By 2040
- 338,218 · +5.4%
- By 2050
- 348,467 · +8.6%
- By 2075
- 381,693 · +19.0%
- By 2100
- 393,809 · +22.8%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (70%)
- Race & ethnicity
- White 70% Two or more races 11% Black 9% Hispanic / Latino 7% Asian 5%
- Hispanic origin (detail)
- Puerto Rican 3% Dominican 2%
- Common ancestry
- Lithuanian 8% Romanian 6% Iranian 2%
- Foreign-born
- 9% · Canada, China
- Languages at home
- 87% English-only · Spanish 3% Other Indo-European 3% Chinese 2%
Political lean MEDSL · Albany
- 2024 margin
- Strong D (+25.8) · D 62.9% · R 37.1%
- 2008→2024 swing
- -3.6pp toward R · 2008: 29.4pp · 2024: 25.8pp
- All cycles
- 2024: D+25.8 2020: D+31.4 2016: D+24.3 2012: D+31.0 2008: D+29.4
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -38.15%
- Current HPI
- 317.4057
- Rent YoY
- ▲ 7.60%
- 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 |
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| 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
-10.0% since first listed6 events — show timeline
- 2026-06-11 Pending — Global MLS
- 2026-06-03 Price Changed $314,000 Global MLS
- 2026-05-24 Price Changed $324,000 Global MLS
- 2026-05-18 Price Changed $329,000 Global MLS
- 2026-05-03 Price Changed $339,000 Global MLS
- 2026-04-20 Listed $349,000 Global MLS
Property tax history
+12.5%/yrLatest (2025): $1,285 · -71.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…