🏷️ Likely Rental
5 S Dove St · Albany, 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 99°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 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 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
- Appreciation +10.0/10.0
- Rent growth +4.7/5.0
- Schools +4.4/10.0
- Livability +4.0/5.0
- Condition / age +2.2/5.0
$229,900
🖨 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 MLS
Solid Money Making 2 Family, Month-to-Month long term tenants. Separate Utilities Unit One $1194/month Unit 2 $1370/Month ($30,768 annual). Close to Major Highways, Parks & Hospitals.
Key facts
- Close to parks
- Close to hospitals
- Good condition
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2 × 3-bed/1.0-bath units multifamily listed at $230k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $1k ($12k/yr) — positive. Per door: $512/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($4k rent vs $230k).
- Recommended offer: $209k (9.0% below list) — sets the bar for market timing.
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: Albany High School (math 74% / reading 67%, grade B+, #710 of 1,100 statewide, top 65%, 2,676 students, 69% FRL) — zoned schools at 69% FRL track the district average.
- Zoned-school proficiency averages 70% at this address vs 38% district-wide (+32 pts) — the actual schools serving this property are materially stronger than the Albany City School District average implies; a family-tenant draw the district grade alone would hide.
- Market conditions: Rents rising fast (+8.7%/yr); 91 active listings in the ZIP; 675 units permitted in Albany County in 2024 (451 in 5+ unit buildings).
Forward outlook
- In year one you build about $25k of equity ($2k loan paydown + $23k 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 $64k cash investment doubles in ~2 years — after that, you're playing with house money.
- By year 2, paydown + projected appreciation supports a ~$40k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 91 days — a 9% lower offer ($209k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 25y 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 $175k; 31% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Watch-outs: property tax is 2.5% of price; built in 1899 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- It's been on market 91 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1899 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
- 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.
- 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?
- 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
- 1.55% ✓
- Cap rate
- 11.64%
- Cash-on-cash
- 19.08%
- DSCR
- 1.85
- GRM
- 5.4
CMA / ARV
- ARV (median comp)
- $326,596
- List price
- $229,900
- Delta
- -29.61%
- 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 |
|---|---|---|---|---|---|---|---|
| 14 Bogart Ter | 0.11mi | 6/2.0 | 2,232 (-6%) | 5mo | $250,000 | $112 | 80 |
| 216 Delaware Ave | 0.33mi | 6/2.0 | 2,488 (+4%) | 3mo | $315,000 | $127 | 75 |
| 23 Sloan St | 0.35mi | 6/3.0 | 2,310 (-3%) | 4mo | $170,000 | $74 | 71 |
| 219 Delaware Ave | 0.36mi | 6/3.0 | 2,464 (+4%) | 2mo | $370,000 | $150 | 71 |
| 19 Raymo St | 0.23mi | 5/2.0 (-1) | 2,104 (-12%) | 2mo | $92,000 | $44 | 63 |
| 50 Southern Blvd | 0.73mi | 6/2.0 | 2,380 (0%) | 5mo | $347,000 | $146 | 62 |
| 41 Barrows St | 0.59mi | 6/2.0 | 2,472 (+4%) | 5mo | $290,000 | $117 | 62 |
| 346-348 Leedale St | 0.49mi | 6/2.5 | 2,592 (+9%) | 2mo | $283,250 | $109 | 59 |
| 252 Morton Ave | 0.34mi | 6/4.0 | 2,152 (-10%) | 6mo | $285,000 | $132 | 55 |
| 79 Alexander St | 0.46mi | 6/4.0 | 2,600 (+9%) | 4mo | $215,000 | $83 | 52 |
| 105 Southern Blvd | 0.63mi | 5/4.0 (-1) | 2,446 (+3%) | 4mo | $405,000 | $166 | 50 |
| 24 Delaware St | 0.54mi | 5/2.5 (-1) | 2,112 (-11%) | 5mo | $240,000 | $114 | 45 |
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
- IRR
- 41.4%
- Equity multiple
- 4.25×
- Total profit
- $209,359
- Equity at exit
- $207,112
- IRR
- 37.8%
- Equity multiple
- 10.51×
- Total profit
- $612,096
- Equity at exit
- $446,645
Cash invested: $64,372 (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
- 13 active · 26 under contract
- Months of supply
- 3.9 mo (26%/mo absorbed)
- Median asking
- $293,000 ($122/sqft)
- Median days on market
- 56 d
- This list price
- 23% of active listings are priced below it
- ARV vs active asking
- +12.2% 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
- 91
- Price-to-rent
- 10.8×
Monthly cashflow live
- Estimated rent
- $3,552 high interval (Pro) →
- Mortgage (P&I)
- −$1,206
- Tax from tax record
- −$481 /mo · $5,771/yr
- Insurance
- −$96
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$746
- Net cashflow
- $1,024
2-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 3 | 1 | $3,552 |
| #1 | 3 | 1 | $1,776 |
| #2 | 3 | 1 | $1,776 |
| Total (2 units) | $3,552 | ||
Break-even live
Sensitivity live
| Price | -10% $1,154 | -5% $1,089 | +0% $1,024 | +5% $959 | +10% $894 |
|---|---|---|---|---|---|
| Rent | -10% $743 | -5% $883 | +0% $1,024 | +5% $1,164 | +10% $1,304 |
| Rate | -1.0pp $1,140 | -0.5pp $1,082 | base $1,024 | +0.5pp $964 | +1.0pp $904 |
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
- $57,475
- Closing costs
- $6,897
- 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 |
|---|---|---|---|---|---|---|---|---|
| 189 Second Ave Unit 2 Albany, NY | 3.0 | 1.0 | — | $1,300 | — | 6d | 1 | 0.07mi |
| 30 Boenau St Albany, NY | 3.0 | 1.0 | 1085 | $1,800 | $1.66 | 6d | 1 | 0.14mi |
| 13 Sligo St Unit 2 Albany, NY | 3.0 | 1.0 | — | $1,800 | — | 116d | 1 | 0.14mi |
| 13 Sligo St Unit 1 Albany, NY | 2.0 | 1.0 | — | $1,500 | — | 109d | 1 | 0.14mi |
| 13 Sligo St Unit 1 Albany, NY | 2.0 | 1.0 | — | $1,500 | — | 116d | 1 | 0.14mi |
| 13 Sligo St Unit 2 Albany, NY | 3.0 | 1.0 | — | $1,800 | — | 109d | 1 | 0.14mi |
| 17 Putnam St Albany, NY | 3.0 | 1.0 | 2348 | $1,700 | $0.72 | 2d | 1 | 0.15mi |
| 9 O Connell St Albany, NY | 2.0 | 2.0 | 1038 | $1,800 | $1.73 | 62d | 1 | 0.18mi |
| 13 W Van Vechten St Albany, NY | 2.0 | 1.0 | 640 | $1,100 | $1.72 | 139d | 1 | 0.28mi |
| 216 Delaware Ave Albany, NY | 3.0 | 1.0 | 1244 | $2,000 | $1.61 | 0d | 1 | 0.32mi |
| 222 S Swan St Albany, NY | 2.0 | 1.0 | 1000 | $1,400 | $1.40 | 6d | 1 | 0.32mi |
| 221 S Swan St Unit 2 Albany, NY | 4.0 | 1.0 | — | $1,500 | — | 139d | 1 | 0.33mi |
| 292 Catherine St Apt 2 Albany, NY | 2.0 | 2.0 | — | $1,950 | — | 6d | 1 | 0.34mi |
| 292 Catherine St Unit 1 Albany, NY | 3.0 | 1.0 | — | $1,800 | — | 6d | 1 | 0.34mi |
| 292 Catherine St Unit 3 Albany, NY | 3.0 | 1.0 | — | $1,995 | — | 6d | 1 | 0.34mi |
| 202 Morton Ave Albany, NY | 3.0 | 1.0 | 1200 | $1,650 | $1.38 | 6d | 1 | 0.35mi |
| 22 Hurlbut St Albany, NY | 3.0 | 1.0 | 1209 | $2,050 | $1.70 | 139d | 1 | 0.36mi |
| 288 Morton Ave Apt 3 Albany, NY | 3.0 | 1.0 | 750 | $1,950 | $2.60 | 6d | 1 | 0.36mi |
| 288 Morton Ave Albany, NY | 3.0 | 2.0 | 2973 | $2,000 | $0.67 | 6d | 1 | 0.36mi |
| 205 Delaware Ave Unit 2nd floor Albany, NY | 3.0 | 1.0 | 1330 | $1,700 | $1.28 | 62d | 1 | 0.36mi |
| 79 Second Ave Unit 1 Albany, NY | 4.0 | 1.0 | — | $1,500 | — | 139d | 1 | 0.36mi |
| 79 Second Ave Unit 1 Albany, NY | 4.0 | 1.0 | — | $1,400 | — | 62d | 1 | 0.36mi |
| 300 Morton Ave #2 Albany, NY | 2.0 | 1.0 | — | $1,250 | — | 6d | 1 | 0.37mi |
| 148 McCarty Ave Apt 18 Albany, NY | 2.0 | 1.0 | — | $1,375 | — | 6d | 1 | 0.37mi |
| 152 McCarty Ave Apt 6 Albany, NY | 2.0 | 1.0 | — | $1,475 | — | 62d | 1 | 0.38mi |
| 152 McCarty Ave Apt 2 Albany, NY | 2.0 | 1.0 | — | $1,375 | — | 6d | 1 | 0.38mi |
| 31 Bertha St Albany, NY | 4.0 | 1.0 | 1116 | $2,000 | $1.79 | 119d | 1 | 0.39mi |
| 20 Besch Ave Unit 1 Albany, NY | 3.0 | 1.0 | — | $1,550 | — | 62d | 1 | 0.40mi |
| 138 Morton Ave Unit 2 Albany, NY | 2.0 | 1.0 | — | $1,150 | — | 119d | 1 | 0.41mi |
| 136 Morton Ave Albany, NY | 3.0 | 1.0 | — | $2,000 | — | 139d | 1 | 0.41mi |
| 11 Barclay St #1 Albany, NY | 3.0 | 1.0 | 1000 | $1,695 | $1.70 | 62d | 1 | 0.42mi |
| 44 Osborne St Unit 1 Albany, NY | 3.0 | 1.0 | — | $1,350 | — | 62d | 1 | 0.42mi |
| 34 Besch Ave Unit 1 Albany, NY | 3.0 | 1.0 | — | $1,550 | — | 6d | 1 | 0.43mi |
| 30 Magnolia Ter Albany, NY | 3.0 | 1.0 | 1044 | $2,050 | $1.96 | 6d | 1 | 0.45mi |
| 11 Osborne St Unit 2 Albany, NY | 3.0 | 1.0 | — | $1,325 | — | 62d | 1 | 0.49mi |
| 56 3rd Ave Unit 1 Albany, NY | 2.0 | 1.0 | — | $1,485 | — | 139d | 1 | 0.49mi |
| 56 3rd Ave Unit 1 Albany, NY | 2.0 | 1.0 | — | $1,485 | — | 116d | 1 | 0.49mi |
| 11 Alden Ave Albany, NY | 3.0 | 1.0 | 900 | $1,595 | $1.77 | 6d | 1 | 0.49mi |
| 39 Jeanette St Unit 4 Albany, NY | 2.0 | 1.0 | — | $1,650 | — | 139d | 1 | 0.50mi |
| 41 Jeanette St Apt 3 Albany, NY | 2.0 | 1.0 | — | $1,600 | — | 6d | 1 | 0.50mi |
Property features AI
Finance
- Financial info
- Tenant pays heat, hot water, internet, cable TV, electricity and gasProperty contains 2 units
Exterior
- Parking
- Off-street parking
- Utilities
- Public waterPublic sewer100 amp electric serviceCable available
- Home design
- DuplexEntry facing not specified
- Construction
- Vinyl sidingSlate roofConcrete perimeter foundationBuilt in 2,136 living area (total)
- Exterior features
- Front porchFenced yardLevel lot
Interior
- Bedrooms
- Two units each with 3 bedrooms (one unit's bedrooms on 2nd floor)
- Flooring
- CarpetHardwoodLinoleum
- Bathrooms
- Two full bathrooms total (one full bath on 1st floor, one full bath on 2nd floor)
- Heating & cooling
- Hot water heatingRadiant heatingNatural gas
- Interior features
- High-speed internet availableBuilt-in features
- Laundry & utility
- Laundry located in the basement
Listing history 50 events
-
2026-09-23days on market $229,900 Active 91 DOM
-
2026-09-22days on market $229,900 Active 90 DOM
-
2026-09-21days on market $229,900 Active 89 DOM
-
2026-09-20days on market $229,900 Active 88 DOM
-
2026-09-19days on market $229,900 Active 87 DOM
-
2026-09-18days on market $229,900 Active 86 DOM
-
2026-09-17days on market $229,900 Active 85 DOM
-
2026-09-16days on market $229,900 Active 84 DOM
-
2026-09-15days on market $229,900 Active 83 DOM
-
2026-09-14days on market $229,900 Active 82 DOM
-
2026-09-13days on market $229,900 Active 81 DOM
-
2026-09-12days on market $229,900 Active 80 DOM
-
2026-09-11days on market $229,900 Active 79 DOM
-
2026-09-05days on market $229,900 Active 73 DOM
-
2026-09-04days on market $229,900 Active 72 DOM
-
2026-09-03days on market $229,900 Active 71 DOM
-
2026-08-31days on market $229,900 Active 68 DOM
-
2026-08-30days on market $229,900 Active 67 DOM
-
2026-08-29days on market $229,900 Active 66 DOM
-
2026-08-28days on market $229,900 Active 65 DOM
-
2026-08-27days on market $229,900 Active 64 DOM
-
2026-08-26days on market $229,900 Active 63 DOM
-
2026-08-25days on market $229,900 Active 62 DOM
-
2026-08-24days on market $229,900 Active 61 DOM
-
2026-08-23days on market $229,900 Active 60 DOM
-
2026-08-22days on market $229,900 Active 59 DOM
-
2026-08-21days on market $229,900 Active 58 DOM
-
2026-08-20days on market $229,900 Active 57 DOM
-
2026-08-19days on market $229,900 Active 56 DOM
-
2026-08-18days on market $229,900 Active 55 DOM
-
2026-08-17days on market $229,900 Active 54 DOM
-
2026-08-16days on market $229,900 Active 53 DOM
-
2026-08-15days on market $229,900 Active 52 DOM
-
2026-08-15days on market $229,900 Active 51 DOM
-
2026-08-13days on market $229,900 Active 50 DOM
-
2026-08-12days on market $229,900 Active 49 DOM
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2026-08-11days on market $229,900 Active 48 DOM
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2026-08-10days on market $229,900 Active 47 DOM
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2026-08-09days on market $229,900 Active 46 DOM
-
2026-08-08days on market $229,900 Active 45 DOM
-
2026-08-07days on market $229,900 Active 44 DOM
-
2026-08-06days on market $229,900 Active 43 DOM
-
2026-08-05days on market $229,900 Active 42 DOM
-
2026-08-04days on market $229,900 Active 41 DOM
-
2026-08-03days on market $229,900 Active 40 DOM
-
2026-07-31days on market $229,900 Active 37 DOM
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2026-07-29days on market $229,900 Active 35 DOM
-
2026-07-27days on market $229,900 Active 33 DOM
-
2026-07-25days on market $229,900 Active 31 DOM
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2026-07-24days on market $229,900 Active 30 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
- $5,771 · $481/mo
- Projected year-2 tax
- $5,771 · $481/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 ≥99°F today · 16 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $42,624
- − Mortgage interest
- −$12,878
- − Property taxes
- −$5,771
- − Insurance
- −$1,150
- − Repairs & maintenance
- −$3,410
- − Management
- −$3,410
- − Depreciation
- −$6,688
- Taxable income
- $9,318
- Est. tax owed @ 24.0%
- −$2,236
- After-tax cash flow
- $10,049/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 · 10 photos
The property requires moderate repairs and maintenance to improve its condition and value. Key areas for improvement include the kitchen cabinets, bathroom shower curtain, and HVAC system. Painting the interior walls and replacing the cabinets can significantly enhance the home's resale and rental value.
Repairs flagged
- Minor Kitchen cabinets — Worn appearance suggests minor repairs or replacement needed.
- Minor Bathroom shower curtain — Old and possibly stained, replacement recommended.
- Moderate HVAC system — May need maintenance or minor repairs for optimal performance.
Value-add opportunities
- Both Paint interior walls — Fresh paint can improve the home's appearance and value. ↑
- Both Replace kitchen cabinets — New cabinets can enhance the kitchen's functionality and aesthetics. ↑
- Both Replace bathroom shower curtain — A new shower curtain can improve the bathroom's appearance and functionality. ↑
- Rental Maintain HVAC system — A well-maintained HVAC system ensures comfort and reduces utility costs. ↑
ⓘ 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
- 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
Livability — Albany
- Score
- 79/100
- State rank
- #129
- US rank
- #2083
Category grades
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
- Severe rent burden
- 5% 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
- 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%
- Common ancestry
- Iranian 2% Romanian 1% Serbian 1%
- Foreign-born
- 14% · Canada, Philippines, China
- Languages at home
- 80% English-only · Spanish 10% Other Asian/Pacific 4% Arabic 1%
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
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
+413.2% since first listed11 events — show timeline
- 2026-06-24 Listed $229,900 Global MLS
- 2026-01-27 Pending — Global MLS
- 2026-01-22 Contingent — Global MLS
- 2026-01-19 Listing Removed — Global MLS
- 2025-12-30 Listed $229,900 Global MLS
- 2021-08-13 Sold (MLS) $175,000 Global MLS
- 2021-05-14 Pending — Global MLS
- 2021-05-03 Listed $189,000 Global MLS
- 2001-12-11 Sold (MLS) $41,000 Global MLS
- 2001-10-10 Listing Removed — Global MLS
- 2001-01-22 Listed $44,800 Global MLS
Property tax history
+3.4%/yrLatest (2025): $5,771 · -16.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…