320 Germania Ave · Schenectady, NY 12307

$160,000

6 bd · 2.0 ba · 2,184 sqft · MultiFamily public records · 113 Days on market

Built 1890 Poor condition 3,049 sqft lot $73/sqft · 52% below area

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Why this score? — see what drove the B+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.1/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +1.5/5.0

Multi-family units

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

Listing remarks MLS

Investors or weekend warriors take notice. Large two-family handy-man special. Bring your imagination and a flash light. City of Schenectady owned property will be sold as is.

Key facts

• 3,049 sq ft lot
• Built 1890
• Listed 112 days

What this means for you Summary

Snapshot

• This is a 2 × 3-bed/1.0-bath units multifamily listed at $160k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $949 ($11k/yr) — positive. Per door: $475/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $160k).
• Recommended offer: $146k (9.0% below list) — sets the bar for market timing.
• Cap rate 13.4% vs local median 4.5% in Schenectady — 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 78/100 on livability (#167 in NY, #2,597 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, health & safety A+, cost of living A; Watch: employment D+, crime F.
• Schenectady City School District (urban): math 38% / reading 34% proficiency, ranked #556 of 590 in NY (top 94%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 65% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Van Corlaer Elementary School (math 17% / reading 32%, grade F, #1,846 of 2,108 statewide, top 91%, 436 students, 78% FRL); Mont Pleasant Middle School (math 2% / reading 27%, grade F, #704 of 729 statewide, top 98%, 671 students, 81% FRL); Schenectady High School (math 75% / reading 90%, grade A, #446 of 1,100 statewide, top 41%, 2,743 students, 71% FRL).
• Market conditions: 83 active listings in the ZIP; lower-income renter base — watch delinquency; 154 units permitted in Schenectady County in 2024 (54 in 5+ unit buildings).

Forward outlook

• In year one you build about $17k of equity ($1k loan paydown + $16k appreciation (10.0% local appreciation)).
• Schenectady County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $45k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$43k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 113 days — a 9% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 19y ago; this cycle's ask has dropped $20k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $9k; list at $160k implies a 1678% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 4.6% of price; built in 1890 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $145,600 (9.0% below list)

Questions for the listing agent

1. It's been on market 113 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
3. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
4. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
5. Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
6. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
7. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
8. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
9. 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?
10. 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.
11. 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.
12. 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: 1.95% ✓
• Cap rate: 13.41%
• Cash-on-cash: 25.42%
• DSCR: 2.13
• GRM: 4.3

CMA / ARV

• ARV (median comp): $333,265
• List price: $160,000
• Delta: -51.99%
• 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
552 Mumford St	0.36mi	6/2.0	2,080 (-5%)	1mo	$240,000	$115	75
634 Hamilton St	0.10mi	5/2.0 (-1)	2,024 (-7%)	5mo	$210,000	$104	74
27 Catherine St	0.43mi	7/2.0 (+1)	2,120 (-3%)	1mo	$260,000	$123	69
762 Eastern Ave	0.58mi	6/2.0	2,205 (+1%)	8mo	$269,900	$122	65
1065 Willett St	0.68mi	6/2.0	2,260 (+4%)	3mo	$305,000	$135	60
5 Hawk St	0.59mi	6/2.0	2,294 (+5%)	6mo	$325,000	$142	60
21 Hawk St	0.61mi	6/2.0	2,294 (+5%)	5mo	$334,750	$146	59
1 Chestnut St	0.32mi	6/3.0	2,406 (+10%)	7mo	$290,000	$121	59
885 Emmett St	0.50mi	5/2.0 (-1)	1,963 (-10%)	4mo	$184,900	$94	51
987 Main Ave	0.74mi	6/2.0	2,370 (+8%)	3mo	$294,900	$124	49
102 Degraff St	0.60mi	7/2.0 (+1)	1,936 (-11%)	1mo	$163,000	$84	48
938 Park Ave	0.73mi	6/3.0	2,380 (+9%)	4mo	$355,000	$149	44

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 43.5%
• Equity multiple: 4.30×
• Total profit: $147,885
• Equity at exit: $144,141

10-year hold

• IRR: 37.7%
• Equity multiple: 9.67×
• Total profit: $388,564
• Equity at exit: $310,845

Cash invested: $44,800 (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: 20 active · 37 under contract
• Months of supply: 6.0 mo (17%/mo absorbed)
• Median asking: $282,450 ($124/sqft)
• Median days on market: 48 d
• This list price: 5% of active listings are priced below it
• ARV vs active asking: +23.0% above current asking $/sqft

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

ZIP-level market 12307

• Home prices YoY: 3.3%
• Active inventory: 83
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $3,124 high
• Mortgage (P&I): −$839
• Tax from tax record: −$613 /mo · $7,359/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$656
• Net cashflow: $949

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

Units	Beds	Baths	Est. rent
▸ 2× units	3	1	$3,124
Total (2 units)			$3,124

Break-even live

Break-even rent $1,923

Max offer price $160,000

Occupancy floor 65%

Sensitivity live

Price	-10% $1,473	-5% $994	+0% $949	+5% $904	+10% $858
Rent	-10% $702	-5% $826	+0% $949	+5% $1,072	+10% $1,196
Rate	-1.0pp $1,030	-0.5pp $990	base $949	+0.5pp $908	+1.0pp $865

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: $40,000
• Closing costs: $4,800
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
501 Paige St #2 Schenectady, NY	3.0	1.0	2500	$1,600	$0.64	38d	1	0.20mi
918 Delamont Ave Schenectady, NY	3.0	1.0	1192	$1,600	$1.34	164d	1	0.27mi
815 Grant Ave Schenectady, NY	3.0	1.0	1100	$1,250	$1.14	51d	1	0.31mi
1 Chestnut St Schenectady, NY	2.0	1.0	1203	$1,600	$1.33	10d	1	0.33mi
1 Chestnut St Schenectady, NY	2.0	1.0	1203	$1,600	$1.33	107d	1	0.33mi
825 Stanley St Schenectady, NY	3.0	1.0	2688	$1,700	$0.63	51d	1	0.35mi
833 Grant Ave Schenectady, NY	3.0	1.0	1000	$1,600	$1.60	107d	1	0.35mi
833 Grant Ave Schenectady, NY	3.0	1.0	1100	$1,600	$1.45	10d	1	0.35mi
409 State St Schenectady, NY	2.0	1.0	1000	$1,200	$1.20	160d	1	0.39mi
407 Victory Ave Schenectady, NY	4.0	1.0	1120	$1,500	$1.34	107d	1	0.41mi
907 State St Schenectady, NY	3.0	1.0	—	$549	—	10d	1	0.41mi
803 Craig St Schenectady, NY	3.0	1.0	1045	$1,500	$1.44	107d	1	0.44mi
922 State St Schenectady, NY	2.0	1.0–1.5	1000	$1,290	$1.29	10d	3	0.45mi
885 Yorkston St Schenectady, NY	2.0	1.0	639	$1,400	$2.19	10d	1	0.48mi
885 Yorkston St Schenectady, NY	2.0	1.0	1551	$1,500	$0.97	107d	1	0.48mi
240 State St Schenectady, NY	1.0–2.0	1.0–2.5	1499	$3,150	$2.10	0d	8	0.50mi
101 Nott Ter #304 Schenectady, NY	2.0	1.0	1250	$1,795	$1.44	10d	1	0.52mi
101 Nott Ter #109 Schenectady, NY	2.0	1.0	1070	$1,645	$1.54	27d	1	0.52mi
101 Nott Ter #307 Schenectady, NY	2.0	1.0	1100	$1,595	$1.45	10d	1	0.52mi
101 Nott Ter #109 Schenectady, NY	2.0	1.0	1070	$1,645	$1.54	10d	1	0.52mi
126 Prospect St Schenectady, NY	3.0	1.0	1000	$1,600	$1.60	164d	1	0.53mi
126 Prospect St Schenectady, NY	3.0	1.0	1000	$1,600	$1.60	10d	1	0.53mi
943 State St Unit 1ST Schenectady, NY	4.0	1.0	—	$2,200	—	10d	1	0.54mi
404 Union St Apt 7 Schenectady, NY	2.0	1.0	—	$1,350	—	184d	1	0.55mi
609 Crane St Schenectady, NY	4.0	1.0	944	$1,500	$1.59	10d	1	0.57mi
120 De Graff St Schenectady, NY	4.0	1.0	1022	$1,600	$1.57	184d	1	0.57mi
635 Crane St Schenectady, NY	2.0	1.0	1200	$1,200	$1.00	107d	1	0.58mi
101 Prospect St Schenectady, NY	2.0	1.0	1092	$1,800	$1.65	10d	1	0.59mi
1017 Willett St Schenectady, NY	3.0	1.0	1130	$1,200	$1.06	10d	1	0.59mi
762 Eastern Ave Schenectady, NY	2.0	1.0	1119	$1,400	$1.25	164d	1	0.60mi
117 Washington Ave Schenectady, NY	2.0–4.0	1.0–2.0	1033	$1,515	$1.47	0d	6	0.62mi
949 Maple Ave Schenectady, NY	2.0	1.0	—	$1,100	—	51d	1	0.62mi
23 Hawk St Schenectady, NY	2.0	1.0	920	$1,200	$1.30	10d	1	0.62mi
23 Hawk St Unit 23 Hawk St1F Schenectady Schenectady, NY	2.0	1.0	—	$1,395	—	107d	1	0.62mi
23 Hawk St Schenectady, NY	2.0	1.0	920	$1,500	$1.63	160d	1	0.62mi
332 Duane Ave Schenectady, NY	3.0	1.0	1188	$1,550	$1.30	51d	1	0.64mi
111 Liberty St Schenectady, NY	2.0	1.0	1408	$1,975	$1.40	11d	1	0.64mi
110 Union St Schenectady, NY	2.0	1.0	750	$1,340	$1.79	46d	1	0.65mi
110 Union St Schenectady, NY	2.0	1.0	750	$1,340	$1.79	5d	1	0.65mi
834 Union St Apt 3 Schenectady, NY	2.0	1.0	700	$1,175	$1.68	2d	1	0.67mi

Listing history 50 events

1. 2026-10-17
   days on market $160,000 Active 113 DOM
2. 2026-10-16
   days on market $160,000 Active 112 DOM
3. 2026-10-15
   days on market $160,000 Active 111 DOM
4. 2026-10-14
   days on market $160,000 Active 110 DOM
5. 2026-10-13
   days on market $160,000 Active 109 DOM
6. 2026-10-12
   days on market $160,000 Active 108 DOM
7. 2026-10-11
   days on market $160,000 Active 107 DOM
8. 2026-10-10
   days on market $160,000 Active 106 DOM
9. 2026-10-09
   days on market $160,000 Active 105 DOM
10. 2026-10-08
    days on market $160,000 Active 104 DOM
11. 2026-10-07
    days on market $160,000 Active 103 DOM
12. 2026-10-06
    days on market $160,000 Active 102 DOM
13. 2026-10-05
    days on market $160,000 Active 101 DOM
14. 2026-10-04
    days on market $160,000 Active 100 DOM
15. 2026-10-03
    days on market $160,000 Active 99 DOM
16. 2026-10-02
    days on market $160,000 Active 98 DOM
17. 2026-10-01
    days on market $160,000 Active 97 DOM
18. 2026-09-30
    days on market $160,000 Active 96 DOM
19. 2026-09-29
    days on market $160,000 Active 95 DOM
20. 2026-09-28
    days on market $160,000 Active 94 DOM
21. 2026-09-27
    days on market $160,000 Active 93 DOM
22. 2026-09-25
    days on market $160,000 Active 91 DOM
23. 2026-09-24
    price $160,000 Active 90 DOM
24. 2026-09-24
    days on market $170,000 Active 90 DOM
25. 2026-09-23
    days on market $170,000 Active 89 DOM
26. 2026-09-22
    days on market $170,000 Active 88 DOM
27. 2026-09-21
    days on market $170,000 Active 87 DOM
28. 2026-09-20
    days on market $170,000 Active 86 DOM
29. 2026-09-19
    days on market $170,000 Active 85 DOM
30. 2026-09-18
    days on market $170,000 Active 84 DOM
31. 2026-09-17
    days on market $170,000 Active 83 DOM
32. 2026-09-16
    days on market $170,000 Active 82 DOM
33. 2026-09-15
    days on market $170,000 Active 81 DOM
34. 2026-09-14
    days on market $170,000 Active 80 DOM
35. 2026-09-13
    days on market $170,000 Active 79 DOM
36. 2026-09-12
    days on market $170,000 Active 78 DOM
37. 2026-09-11
    days on market $170,000 Active 77 DOM
38. 2026-09-05
    days on market $170,000 Active 71 DOM
39. 2026-09-04
    days on market $170,000 Active 70 DOM
40. 2026-09-03
    remarks 210-char remark
41. 2026-09-03
    statusdays on market $170,000 Active 69 DOM
42. 2025-12-05
    status Pending
43. 2025-11-15
    price $170,000
44. 2025-10-09
    listed $180,000 Active
45. 2025-10-07
    soldstatus Closed
46. 2025-09-27
    listed $180,000 Active
47. 2020-03-03
    soldstatus $9,000 Closed (Final Sale) 192-char remark

    Show marketing remark (192 chars)

    Investors or weekend warriors take notice. Large two-family handy-man special. Bring your imagination and a flash light. City of Schenectady owned property will be sold as is. Good Condition

48. 2019-07-29
    status Pend (Under Cntr) 192-char remark

    Show marketing remark (192 chars)

    Investors or weekend warriors take notice. Large two-family handy-man special. Bring your imagination and a flash light. City of Schenectady owned property will be sold as is. Good Condition

49. 2019-03-15
    price $24,000 192-char remark

    Show marketing remark (192 chars)

    Investors or weekend warriors take notice. Large two-family handy-man special. Bring your imagination and a flash light. City of Schenectady owned property will be sold as is. Good Condition

50. 2019-03-15
    status Price Change 192-char remark

    Show marketing remark (192 chars)

    Investors or weekend warriors take notice. Large two-family handy-man special. Bring your imagination and a flash light. City of Schenectady owned property will be sold as is. Good Condition

ⓘ 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: $7,359 · $613/mo
• Projected year-2 tax: $7,359 · $613/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 ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% 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: $37,488
• − Mortgage interest: −$8,962
• − Property taxes: −$7,359
• − Insurance: −$800
• − Repairs & maintenance: −$2,999
• − Management: −$2,999
• − Depreciation: −$4,655
• Taxable income: $9,714
• Est. tax owed @ 24.0%: −$2,331
• After-tax cash flow: $9,057/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 · 7 photos

Poor 30/100 Extensive rehab Est. rehab $109,200–$196,560 screening

This two-family home requires extensive repairs and updates to bring it up to a livable condition. Significant investment is needed to improve the roof, siding, appliances, and other systems.

Components & finishes AI

Roof asphalt shingle · good Flooring tile

Deferred maintenance Est. $30,000–$90,000 screening

• Major Shower (water heater) — Significant water damage and mold visible in the shower area
• Major Ceiling (electrical) — Significant water damage and mold visible on the ceiling
• Major Floor (plumbing) — Significant water damage and mold visible on the floor

Repairs flagged

• Major Kitchen appliances — The appliances appear outdated and in disrepair, indicating a major need for replacement.
• Major Bathtub and shower — The bathtub and shower are dirty and in need of cleaning, indicating a major need for cleaning and possibly replacement.
• Major Roof — The satellite image suggests potential damage to the roof, indicating a major need for repair or replacement.
• Major Siding — The siding is peeling and in need of repainting, indicating a major need for repair.
• Major Front porch and railings — The front porch and railings are in poor condition, indicating a major need for repair or replacement.
• Major Hardwood floors — The hardwood floors show signs of wear and tear, indicating a major need for repair or replacement.
• Major Paint — The paint is peeling and there are visible patches where paint has been removed or is missing, indicating a major need for repair.
• Major HVAC system — The HVAC system appears old and may need replacement, indicating a major need for repair or replacement.

Value-add opportunities

• Resale Kitchen appliances — Upgrading the kitchen appliances will make the home more appealing to potential buyers. ↑
• Resale Bathtub and shower — Cleaning and possibly replacing the bathtub and shower will improve the home's appearance and functionality. ↑
• Resale Roof — Repairing or replacing the roof will improve the home's appearance and increase its value. ↑
• Resale Siding — Repainting the siding will improve the home's appearance and increase its value. ↑
• Resale Front porch and railings — Repairing or replacing the front porch and railings will improve the home's appearance and increase its value. ↑
• Resale Hardwood floors — Refinishing the hardwood floors will improve the home's appearance and increase its value. ↑
• Resale Paint — Repainting the interior walls will improve the home's appearance and increase its value. ↑
• Resale HVAC system — Replacing the HVAC system will improve the home's functionality and increase its value. ↑

ⓘ Rehab cost is a screening estimate — Extensive 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 41/100

Zoned Schools

Elementary Van Corlaer Elementary School F NY #1,846/2,108 Nat'l #30,133/41,679 Middle Mont Pleasant Middle School F NY #704/729 Nat'l #12,693/14,009 High Schenectady High School A NY #446/1,100 Nat'l #889/17,239

Schools (NCES district)

• District: Schenectady City School District
• NCES district ID: 3626010
• Math proficiency: 38% ▲ 12.00%
• Reading proficiency: 34% ▲ 2.00%
• Median HH income: $39,453
• Composite: 30.2/100
• National rank: #6309
• State rank: #556 of 590 in NY

B Composite livability gradescore 78/100

Livability — Schenectady

• Score: 78/100
• State rank: #167
• US rank: #2597

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Schenectady, NY
• County: Schenectady · 155,046 people
• City population: 141,369
• Metro: Albany-Schenectady-Troy, NY
• Population (ZIP): 7,977
• Household income: $33,191
• Rent vs Own: 72.9% rent · 27.1% own
• Severe rent burden: 26% of renters

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Population outlook (Schenectady County) Hauer SSP2

• Today (2025): 155,046 people
• By 2030: 154,322 · -0.5%
• By 2040: 151,796 · -2.1%
• By 2050: 148,621 · -4.1%
• By 2075: 141,229 · -8.9%
• By 2100: 126,014 · -18.7%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.81)
• Race & ethnicity: Black 28% Hispanic / Latino 25% White 19% Two or more races 16% Asian 11% Native American 3%
• Hispanic origin (detail): Mexican 5% Puerto Rican 14% Dominican 3%
• Languages at home: 79% English-only · Spanish 12% Arabic 2% Other Asian/Pacific 1%

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Political lean MEDSL · Schenectady

• 2024 margin: D (+10.8) · D 55.4% · R 44.6%
• 2008→2024 swing: -1.8pp toward R · 2008: 12.7pp · 2024: 10.8pp
• All cycles: 2024: D+10.8 2020: D+15.7 2016: D+5.8 2012: D+15.4 2008: D+12.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 12.60%
• Current HPI: 398.0252
• Rent YoY: —
• Metro: —
• 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

Price history

+401.5% since first listed

19 events — show timeline

• 2025-12-05 Pending — Global MLS
• 2025-11-15 Price Changed $170,000 Global MLS
• 2025-10-09 Listed $180,000 Global MLS
• 2025-10-07 Sold (MLS) — Global MLS
• 2025-09-27 Listed $180,000 Global MLS
• 2020-03-03 Sold (MLS) $9,000 Global MLS
• 2019-07-29 Pending — Global MLS
• 2019-03-15 Price Changed $24,000 Global MLS
• 2019-03-15 Relisted — Global MLS
• 2019-03-06 Listing Removed — Global MLS
• 2019-01-09 Price Changed $38,000 Global MLS
• 2018-09-05 Listed $45,000 Global MLS
• 2016-11-07 Sold (Public Records) $500 Public Records
• 2015-02-27 Sold (Public Records) $500 Public Records
• 2014-08-12 Sold (Public Records) $500 Public Records
• 2007-09-28 Sold (Public Records) $33,900 Public Records
• 2007-09-17 Sold (MLS) $33,900 Global MLS
• 2007-07-20 Listing Removed — Global MLS
• 2007-07-19 Listed $33,900 Global MLS

Property tax history

+12.0%/yr

Latest (2025): $7,359 · +7.9% YoY. Source: county tax records.