38 Trinity Pl · Albany, NY 12202

$219,000

4 bd · 2.0 ba · 2,550 sqft · MultiFamily public records · 10 Days on market

Built 1880 Fair condition 2,178 sqft lot $86/sqft · 61% below area Est $388k · 44% under

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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
• Appreciation +10.0/10.0
• Rent growth +4.7/5.0
• Schools +4.5/10.0
• Livability +4.0/5.0
• Condition / age +2.2/5.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks MLS

MULTIPLE OFFERS. BEST & FINAL DUE MON. 4/5 AT 5PM. Fantastic opportunity to own a brick two-family in the popular Mansion area of Albany. This property offers updated units, a fenced yard, off-street parking, remodeled kitchens, and newer gas furnaces (Unit 1's from 2021 & Unit 2's from 2018). Both units are currently rented. Unit 1 rents for $1,495/month & Unit 2 rents for $995/month, totaling a potential income of $29,880/year! Tenants pay separate utilities. Unit 1 is located across 2 levels, and boasts 3 bedrooms, butcher block countertops, ceramic tile & vinyl flooring. Unit 2 boasts 2 bedrooms plus a den, stainless steel appliances, butcher block countertops, ceramic tile, vinyl & hardwood floors, vaulted ceilings, & crown molding. Easy access to Empire State Plaza. A must see!

Key facts

• Full walkout access
• Vaulted ceilings
• Hardwood floors

Tags

• 2 LEVELS OF SPACIOUS LIVING
• FULL WALKOUT ACCESS
• VAULTED CEILINGS
• HARDWOOD FLOORS

🏷️ Possibly a rental listed for sale. The $219,000 price doesn't fit this home's estimated sale value (~$388,199) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2 × 3-bed/1.0-bath units multifamily listed at $219k. Condition is rated fair.
• This rent per unit runs 38% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Deal economics

• At list price, monthly cash flow is $943 ($11k/yr) — positive. Per door: $472/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $219k).
• Cap rate 11.5% vs local median 5.7% in Albany — 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 79/100 on livability (#129 in NY, #2,083 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: employment C-, crime F.
• Albany City School District (urban): math 37% / reading 40% proficiency, ranked #543 of 590 in NY (top 92%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Giffen Memorial Elementary School (math 17% / reading 22%, grade F, #1,992 of 2,108 statewide, top 95%, 404 students, 93% FRL); Albany High School (math 74% / reading 67%, grade B+, #710 of 1,100 statewide, top 65%, 2,676 students, 69% FRL) — zoned schools average 81% FRL vs 66% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+8.7%/yr); 102 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 56% 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

• In year one you build about $23k of equity ($2k loan paydown + $22k appreciation (10.0% local appreciation)).
• Albany County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 8.0% rent growth), your $61k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 6 sale attempts since 13y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $189k; 16% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1880 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $219,000

Questions for the listing agent

1. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
2. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
3. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
4. Built in 1880 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 1.51% ✓
• Cap rate: 11.46%
• Cash-on-cash: 18.46%
• DSCR: 1.82
• GRM: 5.5

CMA / ARV

• ARV (median comp): $388,199
• List price: $219,000
• Delta: -40.78%
• 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
26 Trinity Pl	0.03mi	5/2.0 (+1)	2,508 (-2%)	16mo	$230,000	$92	78
64 Clinton St	0.33mi	5/3.0 (+1)	2,640 (+4%)	10mo	$140,000	$53	61
151 Jefferson St	0.59mi	4/3.0	2,492 (-2%)	4mo	$380,000	$152	61
208 Elm St	0.57mi	4/3.0	2,508 (-2%)	8mo	$420,000	$167	60
184 Elm St	0.52mi	4/2.0	2,394 (-6%)	12mo	$375,000	$157	56
210 Myrtle Ave	0.63mi	5/3.0 (+1)	2,428 (-5%)	2mo	$325,000	$134	52
285.5 Hudson Ave	0.65mi	4/4.0	2,478 (-3%)	9mo	$430,000	$174	49
82 Dove St	0.66mi	5/4.0 (+1)	2,688 (+5%)	3mo	$455,000	$169	45
369 Madison Ave	0.64mi	3/2.0 (-1)	2,280 (-11%)	8mo	$230,000	$101	41
149 Dove St	0.67mi	4/3.5	2,200 (-14%)	5mo	$350,000	$159	36
270 Morton Ave	0.72mi	5/4.0 (+1)	2,714 (+6%)	13mo	$477,000	$176	32
12 Grandview Ter	0.68mi	5/2.0 (+1)	2,244 (-12%)	15mo	$249,900	$111	31

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 40.8%
• Equity multiple: 4.21×
• Total profit: $196,987
• Equity at exit: $197,293

10-year hold

• IRR: 37.3%
• Equity multiple: 10.40×
• Total profit: $576,480
• Equity at exit: $425,469

Cash invested: $61,320 (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

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 11 active · 15 under contract
• Months of supply: 5.5 mo (18%/mo absorbed)
• Median asking: $319,900 ($134/sqft)
• Median days on market: 74 d
• This list price: 27% of active listings are priced below it
• ARV vs active asking: +13.6% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 12202

• Home prices YoY: 14.3%
• Rents YoY: 8.7%
• Active inventory: 102
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $3,310 high
• Mortgage (P&I): −$1,148
• Tax from tax record: −$432 /mo · $5,184/yr
• Insurance: −$91
• HOA: −$0
• Vacancy / Maint / Mgmt: −$695
• Net cashflow: $943

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 2× units	3	1	$3,310
Total (2 units)			$3,310

Break-even live

Break-even rent $2,116

Max offer price $219,000

Occupancy floor 66%

Sensitivity live

Price	-10% $1,067	-5% $1,005	+0% $943	+5% $881	+10% $819
Rent	-10% $682	-5% $812	+0% $943	+5% $1,074	+10% $1,205
Rate	-1.0pp $1,054	-0.5pp $999	base $943	+0.5pp $886	+1.0pp $829

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: $54,750
• Closing costs: $6,570
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
151 S Pearl St Albany, NY	2.0	1.0	1748	$1,600	$0.92	107d	1	0.04mi
96 Grand St Unit 2 Albany, NY	2.0	1.0	—	$1,400	—	162d	1	0.05mi
96 Grand St Unit 2 Albany, NY	2.0	1.0	—	$1,400	—	155d	1	0.05mi
168 S Pearl St Albany, NY	3.0	1.5	1044	$1,800	$1.72	164d	1	0.06mi
103 Grand St Unit 1 Albany, NY	2.0	1.0	800	$1,250	$1.56	155d	1	0.08mi
17 Ash Grove Pl Albany, NY	2.0	1.0	800	$1,400	$1.75	184d	1	0.08mi
109 Grand St Albany, NY	3.0	2.0	—	$549	—	10d	1	0.08mi
135 Madison Ave Unit 2 Albany, NY	2.0	1.0	1000	$1,400	$1.40	184d	1	0.09mi
119 Grand St Albany, NY	3.0	1.0	1600	$1,300	$0.81	184d	1	0.10mi
130 Grand St Albany, NY	4.0	1.5	1760	$1,825	$1.04	7d	1	0.11mi
151 Madison Ave Unit C Albany, NY	2.0	1.0	750	$1,125	$1.50	2d	1	0.11mi
151 Madison Ave Unit C Albany, NY	2.0	1.0	750	$1,125	$1.50	164d	1	0.11mi
164 Madison Ave Albany, NY	2.0	1.0	1200	$1,500	$1.25	184d	1	0.13mi
31 Van Zandt St Albany, NY	2.0	1.0	850	$1,700	$2.00	184d	1	0.13mi
31 Van Zandt St Albany, NY	2.0	1.0	800	$1,500	$1.88	10d	1	0.13mi
31 Van Zandt St Unit 3 Albany, NY	2.0	1.5	1000	$1,650	$1.65	1d	1	0.13mi
31 Van Zandt St Unit 3 Albany, NY	2.0	1.5	1000	$1,650	$1.65	51d	1	0.13mi
173 Madison Ave Unit 1 Albany, NY	2.0	1.0	—	$1,400	—	6d	1	0.15mi
140 Hamilton St Unit 2 Albany, NY	2.0	1.0	—	$1,500	—	164d	1	0.18mi
25 Bleecker Pl #1 Albany, NY	2.0	1.0	1150	$1,350	$1.17	185d	1	0.18mi
51 Elm St Apt 7 Albany, NY	2.0	1.0	800	$1,200	$1.50	10d	1	0.18mi
51 Elm St Apt 7 Albany, NY	2.0	1.0	800	$1,200	$1.50	49d	1	0.18mi
28 Myrtle Ave Apt 1 Albany, NY	2.0	1.0	1000	$1,350	$1.35	10d	1	0.20mi
163 Eagle St Albany, NY	2.0	1.0	—	$1,500	—	1d	1	0.25mi
163 Eagle St Albany, NY	2.0	1.0	—	$1,500	—	51d	1	0.25mi
40 S Pearl St Unit 306 Albany, NY	2.0	2.0	—	$1,650	—	51d	1	0.27mi
39 Catherine St Unit 2 Albany, NY	2.0	1.0	925	$1,450	$1.57	0d	1	0.29mi
39 Catherine St Unit 2 Albany, NY	2.0	1.0	925	$1,450	$1.57	14d	1	0.29mi
1 Elizabeth St #2 Albany, NY	2.0	1.0	—	$1,250	—	7d	1	0.30mi
1 Elizabeth St #2 Albany, NY	2.0	1.0	—	$1,250	—	6d	1	0.30mi
52 Clinton St Unit 3 Albany, NY	2.0	1.0	—	$1,300	—	164d	1	0.32mi
402 Broadway Apt 2 Albany, NY	2.0	2.0	—	$1,650	—	10d	1	0.34mi
13 Delaware St Albany, NY	2.0	1.0	1060	$1,800	$1.70	10d	1	0.34mi
11 Osborne St Unit 2 Albany, NY	3.0	1.0	—	$1,325	—	107d	1	0.36mi
24 Delaware St #2 Albany, NY	3.0	1.5	—	$2,195	—	107d	1	0.36mi
20 Park St Albany, NY	1.0–2.0	1.0–1.5	—	$2,100	—	0d	1	0.38mi
44 Alexander St Albany, NY	2.0	1.0	1250	$1,650	$1.32	10d	1	0.40mi
84 Clinton St Apt 2 Albany, NY	3.0	1.0	1000	$1,699	$1.70	10d	1	0.40mi
44 Osborne St Unit 1 Albany, NY	3.0	1.0	—	$1,350	—	43d	1	0.42mi
44 Osborne St Unit 1 Albany, NY	3.0	1.0	—	$1,350	—	10d	1	0.42mi

Property features AI

Finance

• Financial info: Two unitsTenants pay for hot water, heat, electricity, and gasOwner pays for trash collection, sewer, and water

Exterior

• Parking: 3 parking spacesOther parking
• Security: Other security features
• Utilities: Circuit breakersPublic sewerPublic water
• Home design: Duplex
• Construction: Brick constructionBrick-and-mortar foundationFinished, heated full basement with an apartment
• Exterior features: GardenFenced backyard with chain-link fencingPrivate, level lot

Interior

• Kitchen: Unit 1 has a basement kitchenUnit 2 has a first-floor kitchen
• Bedrooms: Unit 1 has 3 bedrooms: 2 on the first floor and 1 in the basementUnit 2 has 2 bedrooms on the first floor
• Flooring: Ceramic tileLaminate
• Bathrooms: 2 full bathrooms, both on the first floor
• Heating & cooling: Forced-air natural gas heating
• Interior features: Vaulted ceilingsPaddle fanDouble-pane windowsCeramic tile bath

Listing history 37 events

1. 2026-11-08
   days on market $219,000 Active 10 DOM
2. 2026-11-08
   price $219,000 Active 9 DOM
3. 2026-11-07
   days on market $229,900 Active 9 DOM
4. 2026-11-06
   days on market $229,900 Active 8 DOM
5. 2026-11-05
   days on market $229,900 Active 7 DOM
6. 2026-11-04
   days on market $229,900 Active 6 DOM
7. 2026-11-02
   days on market $229,900 Active 4 DOM
8. 2026-11-01
   days on market $229,900 Active 3 DOM
9. 2026-10-31
   days on market $229,900 Active 2 DOM
10. 2026-10-30
    remarks 434-char remark
11. 2026-10-30
    pricestatusdays on marketlisting id $229,900 Active 1 DOM
12. 2026-06-09
    status $249,900 Pending 110 DOM
13. 2026-06-08
    days on market $249,900 Active 110 DOM
14. 2026-06-07
    days on market $249,900 Active 109 DOM
15. 2026-06-03
    days on market $249,900 Active 105 DOM
16. 2026-06-02
    days on market $249,900 Active 104 DOM
17. 2026-06-01
    days on market $249,900 Active 103 DOM
18. 2026-05-31
    days on market $249,900 Active 102 DOM
19. 2026-05-31
    days on market $249,900 Active 101 DOM
20. 2026-03-09
    price $249,900 414-char remark
21. 2026-02-18
    listed $259,900 Active 414-char remark
22. 2021-08-06
    soldstatus $189,000
23. 2021-06-30
    soldstatus $195,000 Closed (Final Sale) 844-char remark

    Show marketing remark (844 chars)

    MULTIPLE OFFERS. BEST & FINAL DUE MON. 4/5 AT 5PM. Fantastic opportunity to own a brick two-family in the popular Mansion area of Albany. This property offers updated units, a fenced yard, off-street parking, remodeled kitchens, and newer gas furnaces (Unit 1's from 2021 & Unit 2's from 2018). Both units are currently rented. Unit 1 rents for $1,495/month & Unit 2 rents for $995/month, totaling a potential income of $29,880/year! Tenants pay separate utilities. Unit 1 is located across 2 levels, and boasts 3 bedrooms, butcher block countertops, ceramic tile & vinyl flooring. Unit 2 boasts 2 bedrooms plus a den, stainless steel appliances, butcher block countertops, ceramic tile, vinyl & hardwood floors, vaulted ceilings, & crown molding. Easy access to Empire State Plaza. A must see! Excellent Condition

24. 2021-04-07
    status Pend (Under Cntr) 844-char remark

    Show marketing remark (844 chars)

    MULTIPLE OFFERS. BEST & FINAL DUE MON. 4/5 AT 5PM. Fantastic opportunity to own a brick two-family in the popular Mansion area of Albany. This property offers updated units, a fenced yard, off-street parking, remodeled kitchens, and newer gas furnaces (Unit 1's from 2021 & Unit 2's from 2018). Both units are currently rented. Unit 1 rents for $1,495/month & Unit 2 rents for $995/month, totaling a potential income of $29,880/year! Tenants pay separate utilities. Unit 1 is located across 2 levels, and boasts 3 bedrooms, butcher block countertops, ceramic tile & vinyl flooring. Unit 2 boasts 2 bedrooms plus a den, stainless steel appliances, butcher block countertops, ceramic tile, vinyl & hardwood floors, vaulted ceilings, & crown molding. Easy access to Empire State Plaza. A must see! Excellent Condition

25. 2021-03-29
    listed $189,000 New 844-char remark

    Show marketing remark (844 chars)

    MULTIPLE OFFERS. BEST & FINAL DUE MON. 4/5 AT 5PM. Fantastic opportunity to own a brick two-family in the popular Mansion area of Albany. This property offers updated units, a fenced yard, off-street parking, remodeled kitchens, and newer gas furnaces (Unit 1's from 2021 & Unit 2's from 2018). Both units are currently rented. Unit 1 rents for $1,495/month & Unit 2 rents for $995/month, totaling a potential income of $29,880/year! Tenants pay separate utilities. Unit 1 is located across 2 levels, and boasts 3 bedrooms, butcher block countertops, ceramic tile & vinyl flooring. Unit 2 boasts 2 bedrooms plus a den, stainless steel appliances, butcher block countertops, ceramic tile, vinyl & hardwood floors, vaulted ceilings, & crown molding. Easy access to Empire State Plaza. A must see! Excellent Condition

26. 2018-07-19
    soldstatus $130,000 Closed (Final Sale)
27. 2018-03-15
    status Pend (Under Cntr)
28. 2018-01-18
    price $149,000
29. 2017-10-17
    price $152,000
30. 2017-10-17
    status Price Change
31. 2017-10-14
    historical
32. 2017-06-22
    price $154,000
33. 2017-05-19
    price $159,000
34. 2017-04-11
    listed $169,000 New
35. 2014-01-01
    historical
36. 2013-07-16
    listed $175,000
37. 2005-07-27
    soldstatus $40,000

ⓘ 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: $5,184 · $432/mo
• Projected year-2 tax: $5,184 · $432/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $39,720
• − Mortgage interest: −$12,267
• − Property taxes: −$5,184
• − Insurance: −$1,095
• − Repairs & maintenance: −$3,178
• − Management: −$3,178
• − Depreciation: −$6,371
• Taxable income: $8,448
• Est. tax owed @ 24.0%: −$2,027
• After-tax cash flow: $9,291/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

Fair 45/100 Moderate rehab Est. rehab $63,750–$114,750 screening

This two-family property in Albany's Mansion neighborhood requires moderate rehabilitation, focusing on exterior and interior painting, as well as kitchen and bathroom updates. Improvements will significantly enhance its curb appeal and functionality, making it a solid investment opportunity.

Repairs flagged

• Major Exterior paint — Peeling paint and exposed brick indicate significant damage.
• Major Interior paint — Chipped and damaged areas suggest extensive wear and tear.
• Moderate Kitchen and bathroom updates — Both areas need updating to modernize and improve functionality.

Value-add opportunities

• Both Exterior painting — Fresh paint can significantly improve curb appeal and property value. ↑
• Both Interior painting — Updating interior paint can enhance the home's appearance and appeal to potential buyers/tenants. ↑
• Both Kitchen and bathroom updates — Modernizing these spaces can increase both resale and rental value. ↑

ⓘ 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.

F Composite school gradezoned avg 45/100

Zoned Schools

Elementary Giffen Memorial Elementary School F NY #1,992/2,108 Nat'l #33,738/41,679 High Albany High School B+ NY #710/1,100 Nat'l #2,083/17,239

Schools (NCES district)

• District: Albany City School District
• NCES district ID: 3602460
• Math proficiency: 37% ▲ 6.00%
• Reading proficiency: 40% ▲ 7.00%
• Median HH income: $40,568
• Composite: 32.34/100
• National rank: #5744
• State rank: #543 of 590 in NY

B Composite livability gradescore 79/100

Livability — Albany

• Score: 79/100
• State rank: #129
• US rank: #2083

Category grades

Amenities A+ Commute A+ Cost of living C+ Crime F Employment C- Housing A+ Health & safety A+ User ratings D+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Albany, NY
• County: Albany County · 320,794 people
• City population: 116,921
• Metro: Albany-Schenectady-Troy, NY
• Population (ZIP): 10,166
• Household income: $52,868
• Rent vs Own: 74.4% rent · 25.6% own
• Severe rent burden: 5% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.73)
• Race & ethnicity: Black 40% White 28% Hispanic / Latino 15% Two or more races 14% Asian 7%
• Hispanic origin (detail): Mexican 3% Puerto Rican 5% Dominican 5%
• Languages at home: 80% English-only · Spanish 10% Other Asian/Pacific 4% Arabic 1%

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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: ▲ 38.05%
• Current HPI: 303.8939
• Rent YoY: ▲ 8.70%
• Metro: Albany-Schenectady-Troy, NY
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

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Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Property features AI

Finance

• Financial info: Two unitsTenants pay for hot water, heat, electricity, and gasOwner pays for trash collection, sewer, and water

Exterior

• Parking: 3 parking spacesOther parking
• Security: Other security features
• Utilities: Circuit breakersPublic sewerPublic water
• Home design: Duplex
• Construction: Brick constructionBrick-and-mortar foundationFinished, heated full basement with an apartment
• Exterior features: GardenFenced backyard with chain-link fencingPrivate, level lot

Interior

• Kitchen: Unit 1 has a basement kitchenUnit 2 has a first-floor kitchen
• Bedrooms: Unit 1 has 3 bedrooms: 2 on the first floor and 1 in the basementUnit 2 has 2 bedrooms on the first floor
• Flooring: Ceramic tileLaminate
• Bathrooms: 2 full bathrooms, both on the first floor
• Heating & cooling: Forced-air natural gas heating
• Interior features: Vaulted ceilingsPaddle fanDouble-pane windowsCeramic tile bath

Price history

+474.7% since first listed

20 events — show timeline

• 2026-10-28 Listed $229,900 Global MLS
• 2026-06-08 Listing Removed — Global MLS
• 2026-03-09 Price Changed $249,900 Global MLS
• 2026-02-18 Listed $259,900 Global MLS
• 2021-08-06 Sold (Public Records) $189,000 Public Records
• 2021-06-30 Sold (MLS) $195,000 Global MLS
• 2021-04-07 Pending — Global MLS
• 2021-03-29 Listed $189,000 Global MLS
• 2018-07-19 Sold (MLS) $130,000 Global MLS
• 2018-03-15 Pending — Global MLS
• 2018-01-18 Price Changed $149,000 Global MLS
• 2017-10-17 Price Changed $152,000 Global MLS
• 2017-10-17 Relisted — Global MLS
• 2017-10-14 Listing Removed — Global MLS
• 2017-06-22 Price Changed $154,000 Global MLS
• 2017-05-19 Price Changed $159,000 Global MLS
• 2017-04-11 Listed $169,000 Global MLS
• 2014-01-01 Listing Removed — Global MLS
• 2013-07-16 Listed $175,000 Global MLS
• 2005-07-27 Sold (Public Records) $40,000 Public Records

Property tax history

+11.0%/yr

Latest (2026): $5,184 · +0.0% YoY. Source: county tax records.