Multi-family
318 Saratoga St · 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 4/10 · 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 +5.1/10.0
- Rent growth +4.4/5.0
- Livability +4.2/5.0
- Condition / age +2.2/5.0
- Appreciation +0.0/10.0
$200,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 1 unit. estimate disagrees with records
Listing remarks MLS
Don't miss the opportunity to own this well kept 2 family. 1st floor has newly finished hardwood floors, large open kitchen, and fresh paint throughout. 2nd floor has hardwood floors throughout. Large open kitchen and large bathroom. Newer hot water tanks and windows. Separate gas boilers and electric panels. 1 driveway space and plenty of parking across the newly paved street.
Key facts
- Separate gas boilers
- Spacious backyard
- Electric panels
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 5-bed/2.0-bath multifamily listed at $200k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $887 ($11k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($3k rent vs $200k).
- Recommended offer: $176k (12.0% below list) — sets the bar for market timing.
- Cap rate 11.6% 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: Abram Lansing School (math 42% / reading 47%, grade F, #1,277 of 2,108 statewide, top 64%, 326 students, 81% 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; 675 units permitted in Albany County in 2024 (451 in 5+ unit buildings).
- At $3,000/mo this rent would consume 54% of the median local household income ($66k/yr) — very limited rent-growth headroom before tenants either downsize or default.
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 $56k cash investment doubles in ~6 years — after that, you're playing with house money.
Negotiation context
- It's been on market 123 days — a 12% lower offer ($176k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 8y ago; this cycle's ask has dropped $40k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $139k; 44% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- It's been on market 123 days. Have you received any prior offers? Is the seller open to a 12% 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 1910 — 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
- 1.50% ✓
- Cap rate
- 11.61%
- Cash-on-cash
- 19.00%
- DSCR
- 1.85
- GRM
- 5.6
CMA / ARV
- ARV (median comp)
- $313,336
- List price
- $200,000
- Delta
- -36.17%
- 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 |
|---|---|---|---|---|---|---|---|
| 172 Congress St | 0.11mi | 5/2.0 | 2,094 (+2%) | 11mo | $120,000 | $57 | 82 |
| 320 Saratoga St | 0.01mi | 6/2.0 (+1) | 2,156 (+5%) | 10mo | $212,500 | $99 | 78 |
| 258 Central Ave | 0.40mi | 6/2.0 (+1) | 2,040 (-0%) | 1mo | $295,000 | $145 | 75 |
| 103 Congress St | 0.27mi | 4/2.0 (-1) | 2,160 (+6%) | 2mo | $255,000 | $118 | 72 |
| 150 Bridge Ave | 0.34mi | 6/2.0 (+1) | 2,200 (+7%) | 8mo | $243,000 | $110 | 61 |
| 35 Grant St | 0.63mi | 4/2.0 (-1) | 2,100 (+2%) | 4mo | $150,000 | $71 | 58 |
| 171 Lancaster St | 0.14mi | 4/2.0 (-1) | 2,308 (+13%) | 12mo | $245,500 | $106 | 58 |
| 2 Broadway | 0.74mi | 6/2.0 (+1) | 2,016 (-2%) | 1mo | $234,600 | $116 | 57 |
| 23 Sargent St | 0.62mi | 6/3.0 (+1) | 2,100 (+2%) | 8mo | $290,000 | $138 | 52 |
| 4 Congress St | 0.52mi | 4/2.5 (-1) | 1,848 (-10%) | 6mo | $160,000 | $87 | 48 |
| 2 Mcelwain Ave | 0.62mi | 6/2.0 (+1) | 2,288 (+12%) | 1mo | $300,000 | $131 | 46 |
| 59 Amity St | 0.68mi | 4/2.0 (-1) | 2,208 (+8%) | 8mo | $240,000 | $109 | 43 |
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
- 16.2%
- Equity multiple
- 1.69×
- Total profit
- $38,703
- Equity at exit
- $29,821
- IRR
- 28.1%
- Equity multiple
- 4.08×
- Total profit
- $172,430
- Equity at exit
- $17,292
Cash invested: $56,000 (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
- 12 active · 14 under contract
- Months of supply
- 7.2 mo (14%/mo absorbed)
- Median asking
- $236,950 ($116/sqft)
- Median days on market
- 83 d
- This list price
- 33% of active listings are priced below it
- ARV vs active asking
- +31.8% 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
- 183
- Price-to-rent
- 11.1×
Monthly cashflow live
- Estimated rent
- $3,000 high interval (Pro) →
- Mortgage (P&I)
- −$1,049
- Tax from tax record
- −$351 /mo · $4,213/yr
- Insurance
- −$83
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$630
- Net cashflow
- $887
2-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 2 | 1 | $3,000 |
| #1 | 2 | 1 | $1,500 |
| #2 | 2 | 1 | $1,500 |
| Total (2 units) | $3,000 | ||
Break-even live
Sensitivity live
| Price | -10% $1,000 | -5% $943 | +0% $887 | +5% $830 | +10% $774 |
|---|---|---|---|---|---|
| Rent | -10% $650 | -5% $768 | +0% $887 | +5% $1,005 | +10% $1,124 |
| Rate | -1.0pp $987 | -0.5pp $938 | base $887 | +0.5pp $835 | +1.0pp $782 |
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
- $50,000
- Closing costs
- $6,000
- 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 |
|---|---|---|---|---|---|---|---|---|
| 196 Main St Cohoes, NY | 2.0 | 1.0 | 1200 | $1,375 | $1.15 | 119d | 1 | 0.03mi |
| 194 Main St Unit 1R Cohoes, NY | 1.0 | 1.0 | — | $994 | — | 62d | 1 | 0.03mi |
| 193 Congress St Unit 2 Cohoes, NY | 2.0 | 2.0 | 968 | $1,500 | $1.55 | 6d | 1 | 0.07mi |
| 338 Saratoga St Unit 2 Cohoes, NY | 3.0 | 1.5 | 1200 | $1,495 | $1.25 | 139d | 1 | 0.08mi |
| 170 Lancaster St #2 Cohoes, NY | 3.0 | 1.0 | 950 | $1,295 | $1.36 | 6d | 1 | 0.10mi |
| 159 Main St #2 Cohoes, NY | 3.0 | 1.0 | 950 | $1,175 | $1.24 | 6d | 1 | 0.12mi |
| 129 Main St Cohoes, NY | 2.0 | 1.0 | 1104 | $1,350 | $1.22 | 139d | 1 | 0.19mi |
| 129 Main St Cohoes, NY | 2.0 | 1.0 | 1104 | $1,450 | $1.31 | 0d | 1 | 0.19mi |
| 236 Saratoga St Unit 7 Cohoes, NY | 1.0 | 1.0 | 500 | $995 | $1.99 | 139d | 1 | 0.21mi |
| 236 Saratoga St Unit 2 Cohoes, NY | 1.0 | 1.0 | 800 | $1,050 | $1.31 | 6d | 1 | 0.21mi |
| 100 Lancaster St Unit 1 Cohoes, NY | 3.0 | 1.0 | — | $1,450 | — | 62d | 1 | 0.22mi |
| 100 Lancaster St Unit 2 Cohoes, NY | 2.0 | 1.0 | — | $1,300 | — | 6d | 1 | 0.22mi |
| 106 Congress St Cohoes, NY | 3.0 | 1.0 | 1250 | $1,650 | $1.32 | 6d | 1 | 0.24mi |
| 98 Congress St Cohoes, NY | 2.0 | 2.0 | 1248 | $1,600 | $1.28 | 62d | 1 | 0.26mi |
| 24 Hart St Unit 2ND Cohoes, NY | 3.0 | 1.0 | — | $1,500 | — | 62d | 1 | 0.32mi |
| 192 Remsen St Unit 3A Cohoes, NY | 2.0 | 1.0 | — | $1,375 | — | 62d | 1 | 0.38mi |
| 192 Remsen St Unit 2B Cohoes, NY | 1.0 | 1.0 | 700 | $1,195 | $1.71 | 6d | 1 | 0.38mi |
| 53 Main St Unit 3 Cohoes, NY | 3.0 | 1.0 | 1200 | $1,245 | $1.04 | 6d | 1 | 0.38mi |
| 192 Saratoga St Cohoes, NY | 1.0–2.0 | 1.5–2.5 | 1125 | $1,995 | $1.77 | 0d | 4 | 0.39mi |
| 44 Congress St Unit 1R Cohoes, NY | 1.0 | 1.0 | — | $1,050 | — | 6d | 1 | 0.40mi |
| 44 Congress St Unit 2R Cohoes, NY | 1.0 | 1.0 | — | $1,000 | — | 62d | 1 | 0.40mi |
| 124 Columbia St Fl 2 Cohoes, NY | 2.0 | 1.0 | 1200 | $1,400 | $1.17 | 110d | 1 | 0.42mi |
| 1100 Waterside Way Cohoes, NY | 1.0–2.0 | 1.0 | 854 | $1,550 | $1.81 | 6d | 1 | 0.43mi |
| 12 White St Cohoes, NY | 1.0–2.0 | 1.0–2.0 | — | $2,895 | — | 0d | 3 | 0.44mi |
| 12 White St Cohoes, NY | 3.0 | 2.0 | 1790 | $2,895 | $1.62 | 114d | 1 | 0.44mi |
| 28 White St Apt 1 Cohoes, NY | 3.0 | 1.0 | 1000 | $2,000 | $2.00 | 62d | 1 | 0.45mi |
| 10 Congress St #2 Cohoes, NY | 2.0 | 1.0 | — | $1,275 | — | 139d | 1 | 0.48mi |
| 134 Remsen St Cohoes, NY | 1.0–2.0 | 1.0 | 789 | $1,925 | $2.44 | 0d | 28 | 0.49mi |
| 134 Remsen St Cohoes, NY | 1.0 | 1.0 | 910 | $1,550 | $1.70 | 110d | 1 | 0.49mi |
| 137 Remsen St Unit 2R Cohoes, NY | 1.0 | 1.0 | 700 | $1,275 | $1.82 | 139d | 1 | 0.50mi |
| 130 Remsen St Ph 1 Cohoes, NY | 1.0 | 1.0 | 600 | $1,395 | $2.33 | 119d | 1 | 0.51mi |
| 29 Lark St Cohoes, NY | 3.0 | 1.0 | 1500 | $2,245 | $1.50 | 0d | 1 | 0.52mi |
| 113 Mohawk St Unit 1S Cohoes, NY | 1.0 | 1.0 | 800 | $1,350 | $1.69 | 139d | 1 | 0.55mi |
| 5 Whitehall St Apt 9 Cohoes, NY | 2.0 | 1.0 | — | $1,350 | — | 139d | 1 | 0.56mi |
| 5 Whitehall St Unit 4 Cohoes, NY | 2.0 | 1.0 | — | $1,400 | — | 139d | 1 | 0.56mi |
| 5 Whitehall St Unit 1 Cohoes, NY | 1.0 | 1.0 | — | $1,100 | — | 139d | 1 | 0.56mi |
| 77 Pershing Ave Unit 1 Cohoes, NY | 2.0 | 1.0 | 1200 | $1,300 | $1.08 | 6d | 1 | 0.57mi |
| 9 Laura Dr Cohoes, NY | 1.0 | 1.5 | — | $1,950 | — | 0d | 1 | 0.57mi |
| 9 Laura Dr Cohoes, NY | 1.0 | 1.0 | — | $1,595 | — | 117d | 1 | 0.57mi |
| 300 Ontario St Cohoes, NY | 3.0 | 1.0 | 1100 | $1,600 | $1.45 | 110d | 1 | 0.57mi |
Property features AI
Finance
- Financial info
- Tenant pays heat, internet, and cable TVTwo-unit property
Exterior
- Parking
- One paved parking space
- Utilities
- Public waterPublic sewer
- Home design
- Duplex2,048 living areaLot approximately 0.07 acres
- Construction
- Shingle siding
- Exterior features
- Front porchPorchBack yard fencing
Interior
- Bedrooms
- Unit 1: 2–3 bedrooms (unit listing shows both 2 and 3 bedrooms)Unit 2: 3 bedrooms
- Flooring
- Hardwood
- Bathrooms
- 2 full bathrooms total (one full bath on the 1st level, one full bath on the 2nd level)Unit 1: 1 full bathUnit 2: 1 full bath
- Heating & cooling
- Baseboard heatingWall-mounted cooling units
- Interior features
- Hardwood floorsPartial basement with exterior entry
- Laundry & utility
- Washer hookupElectric dryer hookup
Listing history 50 events
-
2026-09-17days on market $200,000 Active 123 DOM
-
2026-09-16days on market $200,000 Active 122 DOM
-
2026-09-15days on market $200,000 Active 121 DOM
-
2026-09-14days on market $200,000 Active 120 DOM
-
2026-09-13days on market $200,000 Active 119 DOM
-
2026-09-12days on market $200,000 Active 118 DOM
-
2026-09-11days on market $200,000 Active 117 DOM
-
2026-09-05days on market $200,000 Active 111 DOM
-
2026-09-04days on market $200,000 Active 110 DOM
-
2026-09-03days on market $200,000 Active 109 DOM
-
2026-08-31days on market $200,000 Active 106 DOM
-
2026-08-30days on market $200,000 Active 105 DOM
-
2026-08-29days on market $200,000 Active 104 DOM
-
2026-08-28days on market $200,000 Active 103 DOM
-
2026-08-27days on market $200,000 Active 102 DOM
-
2026-08-26days on market $200,000 Active 101 DOM
-
2026-08-25days on market $200,000 Active 100 DOM
-
2026-08-24days on market $200,000 Active 99 DOM
-
2026-08-23days on market $200,000 Active 98 DOM
-
2026-08-22days on market $200,000 Active 97 DOM
-
2026-08-21days on market $200,000 Active 96 DOM
-
2026-08-20days on market $200,000 Active 95 DOM
-
2026-08-19days on market $200,000 Active 94 DOM
-
2026-08-18days on market $200,000 Active 93 DOM
-
2026-08-17days on market $200,000 Active 92 DOM
-
2026-08-16days on market $200,000 Active 91 DOM
-
2026-08-15days on market $200,000 Active 90 DOM
-
2026-08-14days on market $200,000 Active 89 DOM
-
2026-08-13days on market $200,000 Active 88 DOM
-
2026-08-12days on market $200,000 Active 87 DOM
-
2026-08-11days on market $200,000 Active 86 DOM
-
2026-08-10days on market $200,000 Active 85 DOM
-
2026-08-09price $200,000 Active 84 DOM
-
2026-08-09days on market $220,000 Active 84 DOM
-
2026-08-08days on market $220,000 Active 83 DOM
-
2026-08-07days on market $220,000 Active 82 DOM
-
2026-08-06days on market $220,000 Active 81 DOM
-
2026-08-05days on market $220,000 Active 80 DOM
-
2026-08-04days on market $220,000 Active 79 DOM
-
2026-08-03days on market $220,000 Active 78 DOM
-
2026-07-31days on market $220,000 Active 75 DOM
-
2026-07-30days on market $220,000 Active 74 DOM
-
2026-07-29days on market $220,000 Active 73 DOM
-
2026-07-27days on market $220,000 Active 71 DOM
-
2026-07-25days on market $220,000 Active 69 DOM
-
2026-07-23days on market $220,000 Active 67 DOM
-
2026-07-22days on market $220,000 Active 66 DOM
-
2026-07-21days on market $220,000 Active 65 DOM
-
2026-07-18days on market $220,000 Active 62 DOM
-
2026-07-16days on market $220,000 Active 60 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
- $4,213 · $351/mo
- Projected year-2 tax
- $4,213 · $351/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 · 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
- $36,000
- − Mortgage interest
- −$11,203
- − Property taxes
- −$4,213
- − Insurance
- −$1,000
- − Repairs & maintenance
- −$2,880
- − Management
- −$2,880
- − Depreciation
- −$5,818
- Taxable income
- $8,005
- Est. tax owed @ 24.0%
- −$1,921
- After-tax cash flow
- $8,719/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
This multi-family property requires moderate repairs and maintenance, including paint touch-up and siding replacement, to improve its overall condition and value.
Components & finishes AI
Repairs flagged
- Major Paint — Paint appears worn and needs touch-up
- Moderate Siding — Siding appears weathered and may need replacement
Value-add opportunities
- Both Paint touch-up — Enhances curb appeal and interior aesthetics ↑
- Both Siding replacement — Improves home's overall appearance and value ↑
- Both Kitchen and bath updates — Modernizes spaces and increases 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 |
|
||
| Consumer Goods | 9 | $162B |
|
||
| Insurance | 4 | $225B |
|
||
| Telecommunications | 2 | $144B |
|
||
| Pharmaceuticals | 2 | $112B |
|
||
| Media / Entertainment | 2 | $69B |
|
||
Price history
+57.3% since first listed10 events — show timeline
- 2026-07-10 Price Changed $220,000 Global MLS
- 2026-05-17 Listed $240,000 Global MLS
- 2023-02-21 Listing Removed — Global MLS
- 2022-12-24 Listed $215,000 Global MLS
- 2018-11-28 Sold (MLS) $139,000 Global MLS
- 2018-08-24 Pending — Global MLS
- 2018-07-23 Price Changed $134,900 Global MLS
- 2018-07-23 Relisted — Global MLS
- 2018-07-02 Pending — Global MLS
- 2018-06-02 Listed $139,900 Global MLS
Property tax history
+6.5%/yrLatest (2025): $4,213 · -6.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…