Duplex
79 Central Ter · 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 1/10 · 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
- 7.0%
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
$209,900
🖨 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
T SELLER WILL PAY TAXES FOR 1 YEAR POST CLOSING Two-Family Property. , perfect for both the seasoned investor and those entering the market for the first time. Located in the high-demand rental markets of Cohoes This home offers a blend of stable tenancy, separate utilities, and strong, reliable cash flow. The property features: Two spacious rental units. Independent utilities for simplified management and reduced overhead. Established tenants providing immediate income. Solid rental history in proven investment location. Whether you're looking to expand your portfolio or begin building long-term wealth, this property delivers dependable performance and scalability.
Key facts
- Separate utilities
- Solid rental history
- Two-family property
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2 × 3-bed/1.0-bath units multifamily listed at $210k. Condition is rated fair.
- This rent per unit runs 35% 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 $2k ($18k/yr) — positive. Per door: $758/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($4k rent vs $210k).
- Recommended offer: $207k (1.5% below list) — sets the bar for market timing.
- Cap rate 15.0% 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); 150 active listings in the ZIP; 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 $1k of loan paydown is wiped out by about $6k 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 $59k cash investment doubles in ~4 years — after that, you're playing with house money.
Negotiation context
- It's been on market 26 days — a 2% lower offer ($207k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts 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 $85k; list at $210k implies a 147% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- 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 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- 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
- 1.84% ✓
- Cap rate
- 14.96%
- Cash-on-cash
- 30.95%
- DSCR
- 2.38
- GRM
- 4.5
CMA / ARV
- ARV (median comp)
- $406,189
- List price
- $209,900
- Delta
- -48.32%
- 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 |
|---|---|---|---|---|---|---|---|
| 2 Garner St | 0.09mi | 6/4.0 | 2,720 (-1%) | 14mo | $350,000 | $129 | 74 |
| 77 Younglove Ave | 0.38mi | 6/2.0 | 2,826 (+3%) | 4mo | $320,000 | $113 | 74 |
| 20 Mcelwain Ave | 0.35mi | 6/3.0 | 2,812 (+3%) | 6mo | $285,000 | $101 | 71 |
| 42 Mcelwain Ave | 0.32mi | 6/3.0 | 3,032 (+11%) | 4mo | $382,000 | $126 | 60 |
| 31 Congress St | 0.56mi | 6/2.0 | 2,594 (-5%) | 8mo | $260,000 | $100 | 58 |
| 44 Younglove Ave | 0.42mi | 6/2.0 | 2,952 (+8%) | 12mo | $340,000 | $115 | 57 |
| 9 Willow St St | 0.21mi | 7/2.0 (+1) | 2,480 (-10%) | 21mo | $215,000 | $87 | 51 |
| 11 Church St | 0.40mi | 5/3.0 (-1) | 2,880 (+5%) | 16mo | $290,000 | $101 | 51 |
| 69 Grant St | 0.47mi | 5/3.0 (-1) | 2,836 (+3%) | 18mo | $345,000 | $122 | 48 |
| 48 Watervliet Ave | 0.32mi | 5/2.5 (-1) | 2,344 (-14%) | 12mo | $143,000 | $61 | 44 |
| 2-4 Wilmer Ave | 0.53mi | 5/3.0 (-1) | 2,962 (+8%) | 15mo | $300,000 | $101 | 41 |
| 100 Edward St | 0.49mi | 5/2.0 (-1) | 2,400 (-12%) | 21mo | $365,000 | $152 | 34 |
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
- 31.0%
- Equity multiple
- 2.38×
- Total profit
- $81,363
- Equity at exit
- $31,297
- IRR
- 40.8%
- Equity multiple
- 5.77×
- Total profit
- $280,063
- Equity at exit
- $18,148
Cash invested: $58,772 (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
- 6 active · 1 under contract
- Months of supply
- 7.2 mo (14%/mo absorbed)
- Median asking
- $274,500 ($121/sqft)
- Median days on market
- 93 d
- This list price
- 17% of active listings are priced below it
- ARV vs active asking
- +22.0% above current asking $/sqft
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
- 150
- Price-to-rent
- 9.1×
Monthly cashflow live
- Estimated rent
- $3,863 high interval (Pro) →
- Mortgage (P&I)
- −$1,101
- Tax from tax record
- −$348 /mo · $4,170/yr
- Insurance
- −$87
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$811
- Net cashflow
- $1,516
2-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 3 | 1 | $3,864 |
| #1 | 3 | 1 | $1,932 |
| #2 | 3 | 1 | $1,932 |
| Total (2 units) | $3,863 | ||
Break-even live
Sensitivity live
| Price | -10% $1,635 | -5% $1,575 | +0% $1,516 | +5% $1,457 | +10% $1,397 |
|---|---|---|---|---|---|
| Rent | -10% $1,211 | -5% $1,363 | +0% $1,516 | +5% $1,669 | +10% $1,821 |
| Rate | -1.0pp $1,622 | -0.5pp $1,569 | base $1,516 | +0.5pp $1,462 | +1.0pp $1,406 |
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
- $52,475
- Closing costs
- $6,297
- 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 |
|---|---|---|---|---|---|---|---|---|
| 12-16 Mangam St Unit 12B Cohoes, NY | 2.0 | 1.0 | 850 | $1,225 | $1.44 | 93d | 1 | 0.09mi |
| 6 Hamilton Pl Unit 2 Cohoes, NY | 3.0 | 1.0 | 2300 | $1,999 | $0.87 | 68d | 1 | 0.10mi |
| 1 Hamilton St #2 Cohoes, NY | 4.0 | 1.0 | 900 | $1,250 | $1.39 | 16d | 1 | 0.20mi |
| 1 Hamilton St Unit 1 Cohoes, NY | 2.0 | 1.0 | 800 | $1,095 | $1.37 | 72d | 1 | 0.20mi |
| 45 Johnston Ave Cohoes, NY | 2.0 | 2.0 | 1258 | $2,162 | $1.72 | 15d | 4 | 0.21mi |
| 42 Johnston Ave Unit 6 Cohoes, NY | 2.0 | 1.0 | — | $1,875 | — | 15d | 1 | 0.26mi |
| 42 Johnston Ave Unit 5 Cohoes, NY | 2.0 | 1.0 | — | $1,750 | — | 16d | 1 | 0.26mi |
| 28 Leversee Ave Cohoes, NY | 2.0 | 1.0 | 1000 | $1,700 | $1.70 | 93d | 1 | 0.30mi |
| 27 McElwain Ave Cohoes, NY | 2.0 | 2.0 | 2000 | $2,300 | $1.15 | 93d | 1 | 0.32mi |
| 60 McElwain Ave Unit 1 Cohoes, NY | 4.0 | 1.0 | 1000 | $1,495 | $1.50 | 93d | 1 | 0.32mi |
| 60 McElwain Ave Unit 1 Cohoes, NY | 4.0 | 1.0 | — | $1,400 | — | 70d | 1 | 0.32mi |
| 100 N Mohawk St Cohoes, NY | 1.0–3.0 | 1.0–2.5 | 1824 | $3,840 | $2.11 | 15d | 31 | 0.34mi |
| 8 Cindy Way Cohoes, NY | 3.0 | 1.5 | 1420 | $2,300 | $1.62 | 93d | 1 | 0.35mi |
| 29 Walnut St Unit / 2nd Floor Cohoes, NY | 3.0 | 1.0 | 1200 | $1,700 | $1.42 | 93d | 1 | 0.38mi |
| 50 Mann Ave Unit 2 Cohoes, NY | 2.0 | 1.0 | 1300 | $1,800 | $1.38 | 72d | 1 | 0.40mi |
| 300 Ontario St Cohoes, NY | 3.0 | 1.0 | 1100 | $1,600 | $1.45 | 63d | 1 | 0.50mi |
| 10 Congress St #2 Cohoes, NY | 2.0 | 1.0 | — | $1,275 | — | 93d | 1 | 0.52mi |
| 28 White St Apt 1 Cohoes, NY | 3.0 | 1.0 | 1000 | $2,000 | $2.00 | 16d | 1 | 0.57mi |
| 121 Columbia Gdns Cohoes, NY | 1.0–3.0 | 1.0–2.0 | 863 | $2,295 | $2.66 | 15d | 10 | 0.58mi |
| 124 Columbia St Fl 2 Cohoes, NY | 2.0 | 1.0 | 1200 | $1,400 | $1.17 | 63d | 1 | 0.59mi |
| 12 White St Cohoes, NY | 1.0–2.0 | 1.0–2.0 | — | $2,895 | — | 15d | 2 | 0.62mi |
| 12 White St Cohoes, NY | 3.0 | 2.0 | 1790 | $2,895 | $1.62 | 68d | 1 | 0.62mi |
| 53 Main St Unit 3 Cohoes, NY | 3.0 | 1.0 | 1200 | $1,345 | $1.12 | 72d | 1 | 0.62mi |
| 192 Remsen St Unit 3A Cohoes, NY | 2.0 | 1.0 | — | $1,375 | — | 16d | 1 | 0.65mi |
| 24 Hart St Unit 2ND Cohoes, NY | 3.0 | 1.0 | — | $1,500 | — | 16d | 1 | 0.65mi |
| 98 Congress St Cohoes, NY | 2.0 | 2.0 | 1248 | $1,600 | $1.28 | 16d | 1 | 0.72mi |
| 192 Saratoga St Cohoes, NY | 1.0–3.0 | 1.0–3.0 | 1157 | $2,000 | $1.73 | 15d | 5 | 0.73mi |
| 100 Lancaster St Unit 2 Cohoes, NY | 2.0 | 1.0 | — | $1,400 | — | 16d | 1 | 0.75mi |
| 100 Lancaster St Unit 1 Cohoes, NY | 3.0 | 1.0 | — | $1,450 | — | 16d | 1 | 0.75mi |
| 5 Whitehall St Unit 4 Cohoes, NY | 2.0 | 1.0 | — | $1,400 | — | 93d | 1 | 0.76mi |
| 5 Whitehall St Apt 9 Cohoes, NY | 2.0 | 1.0 | — | $1,350 | — | 93d | 1 | 0.76mi |
| 129 Main St Cohoes, NY | 2.0 | 1.0 | 1104 | $1,350 | $1.22 | 93d | 1 | 0.79mi |
| 159 Main St #2 Cohoes, NY | 3.0 | 1.0 | 950 | $1,295 | $1.36 | 63d | 1 | 0.86mi |
| 170 Lancaster St #2 Cohoes, NY | 4.0 | 1.0 | 950 | $1,295 | $1.36 | 16d | 1 | 0.93mi |
| 193 Congress St Unit 2 Cohoes, NY | 2.0 | 2.0 | 968 | $1,600 | $1.65 | 63d | 1 | 0.95mi |
| 196 Main St Cohoes, NY | 2.0 | 1.0 | 1200 | $1,375 | $1.15 | 72d | 1 | 0.95mi |
| 338 Saratoga St Unit 2 Cohoes, NY | 3.0 | 1.5 | 1200 | $1,495 | $1.25 | 93d | 1 | 1.05mi |
| 5 River St Unit 2nd Floor Cohoes, NY | 2.0 | 1.0 | — | $1,515 | — | 72d | 1 | 1.08mi |
| 114 Ontario St #2 Cohoes, NY | 3.0 | 1.0 | 1000 | $1,495 | $1.50 | 16d | 1 | 1.10mi |
| 53 Park Ave Cohoes, NY | 3.0 | 1.0 | 1875 | $1,600 | $0.85 | 15d | 1 | 1.18mi |
Property features AI
Finance
- Financial info
- Two-unit property (duplex)
Exterior
- Utilities
- Public waterPublic sewer
- Home design
- Duplex
- Construction
- Brick exterior
- Exterior features
- Brick constructionLot approximately 0.10 acres
Interior
- Bedrooms
- Unit 1: 3 bedroomsUnit 2: 3 bedrooms
- Bathrooms
- Two full bathrooms (one located on the 1st floor, one on the 2nd floor)Each unit has 1 full bath
- Heating & cooling
- Baseboard heatingHot water heating
- Interior features
- Full unfinished basement
Listing history 46 events
-
2026-08-08days on market $209,900 Active 26 DOM
-
2026-08-07days on market $209,900 Active 25 DOM
-
2026-08-06days on market $209,900 Active 24 DOM
-
2026-08-05days on market $209,900 Active 23 DOM
-
2026-08-04days on market $209,900 Active 22 DOM
-
2026-08-03remarks 677-char remark
-
2026-08-03days on market $209,900 Active 21 DOM
-
2026-07-31days on market $209,900 Active 18 DOM
-
2026-07-30days on market $209,900 Active 17 DOM
-
2026-07-29days on market $209,900 Active 16 DOM
-
2026-07-27days on market $209,900 Active 14 DOM
-
2026-07-25days on market $209,900 Active 12 DOM
-
2026-07-23days on market $209,900 Active 10 DOM
-
2026-07-22days on market $209,900 Active 9 DOM
-
2026-07-21days on market $209,900 Active 8 DOM
-
2026-07-18days on market $209,900 Active 5 DOM
-
2026-07-16days on market $209,900 Active 3 DOM
-
2026-07-16days on market $209,900 Active 2 DOM
-
2026-07-14days on market $209,900 Active 1 DOM
-
2026-06-30days on market $209,900 Active 196 DOM
-
2026-06-29days on market $209,900 Active 195 DOM
-
2026-06-28days on market $209,900 Active 194 DOM
-
2026-06-28days on market $209,900 Active 193 DOM
-
2026-06-27days on market $209,900 Active 192 DOM
-
2026-06-25days on market $209,900 Active 190 DOM
-
2026-06-21days on market $209,900 Active 187 DOM
-
2026-06-18days on market $209,900 Active 184 DOM
-
2026-06-17days on market $209,900 Active 183 DOM
-
2026-06-16days on market $209,900 Active 182 DOM
-
2026-06-15days on market $209,900 Active 181 DOM
-
2026-06-14days on market $209,900 Active 179 DOM
-
2026-06-13days on market $209,900 Active 178 DOM
-
2026-06-10days on market $209,900 Active 176 DOM
-
2026-06-09days on market $209,900 Active 175 DOM
-
2026-06-08days on market $209,900 Active 174 DOM
-
2026-06-07days on market $209,900 Active 173 DOM
-
2026-06-03days on market $209,900 Active 169 DOM
-
2026-06-02days on market $209,900 Active 168 DOM
-
2026-06-01days on market $209,900 Active 167 DOM
-
2026-05-31days on market $209,900 Active 166 DOM
-
2026-05-31days on market $209,900 Active 165 DOM
-
2026-03-31price $209,900 626-char remark
-
2026-02-13price $220,000 626-char remark
-
2026-01-22price $228,000 626-char remark
-
2025-12-16$240,000 Active 626-char remark
-
2018-09-14soldstatus $85,000
ⓘ 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
- $4,170 · $348/mo
- Projected year-2 tax
- $4,170 · $348/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 3/10 Moderate 7 d/yr ≥98°F today · 16 d/yr by 30 yrs out
- Wind 3/10 Moderate 7% 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
- $46,356
- − Mortgage interest
- −$11,758
- − Property taxes
- −$4,170
- − Insurance
- −$1,050
- − Repairs & maintenance
- −$3,708
- − Management
- −$3,708
- − Depreciation
- −$6,106
- Taxable income
- $15,855
- Est. tax owed @ 24.0%
- −$3,805
- After-tax cash flow
- $14,387/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 · 3 photos
This two-family property requires significant repairs and maintenance to improve its condition and value. Immediate attention to the roof, exterior, and HVAC systems is necessary to ensure structural integrity and energy efficiency.
Deferred maintenance Est. $40,000–$120,000 screening
- Major Roof (roof) — The roof appears to be in poor condition with visible damage and missing shingles.
- Major Windows (windows) — The windows have a worn appearance and may need replacement.
- Major Electrical (electrical) — The electrical panel appears to be old and may need an upgrade or replacement.
- Major Plumbing (plumbing) — The exterior of the house shows signs of water damage, indicating potential plumbing issues.
Repairs flagged
- Major roof — Signs of significant wear
- Major exterior siding — Severe peeling and damage
- Major flooring — Worn and damaged condition
- Major HVAC/mechanicals — No recent maintenance visible
Value-add opportunities
- Both New roof — Essential for structural integrity and energy efficiency ↑
- Both Exterior painting and repairs — Enhances curb appeal and property value ↑
- Both HVAC system upgrade — Improves comfort and energy efficiency ↑
- Both Landscaping and curb appeal improvements — Enhances property value and appeal ↑
ⓘ 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
+146.9% since first listed7 events — show timeline
- 2026-07-13 Listed $209,900 Global MLS
- 2026-07-01 Listing Removed — Global MLS
- 2026-03-31 Price Changed $209,900 Global MLS
- 2026-02-13 Price Changed $220,000 Global MLS
- 2026-01-22 Price Changed $228,000 Global MLS
- 2025-12-16 Listed $240,000 Global MLS
- 2018-09-14 Sold (Public Records) $85,000 Public Records
Property tax history
+4.2%/yrLatest (2025): $4,170 · -26.5% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…