House Prices

House Prices & Home Values Schenectady, NY 2026


Average Data

average house price$203,857
average size per house1798 ft²
average price per ft²114 $ / ft²

04/04/2026 - The value range (VR) for house prices in Schenectady, NY is $35/ sqft to $323/ sqft. An average home with 1798 sqft costs approximately $62,930 to $580,754. Schenectady, NY includes 8 ZIP codes and it is located in Schenectady county. The lowest prices are found in ZIP 12307, while the highest are in ZIP 12309. The average price per sqare feet is $114. Our analysis is based on 178 property listings.

Avergage prices by ZIP codes Schenectady

12302141 $ / ft²
12303169 $ / ft²
1230489 $ / ft²
1230578 $ / ft²
12306141 $ / ft²
1230735 $ / ft²
1230888 $ / ft²
12309323 $ / ft²


House prices by neighborhoods in Schenectady

Downtown Schenectady75 $ / ft²
Little Italy68 $ / ft²
Mohawk Harbor82 $ / ft²
Stockade Historic District70 $ / ft²




Historical development of home values in Schenectady

Year Estimated value (USD) Change vs. 2025
2010 $94,675 -53.6%
2011 $91,014 -55.4%
2012 $90,769 -55.5%
2013 $94,161 -53.8%
2014 $98,844 -51.5%
2015 $103,917 -49.0%
2016 $109,340 -46.4%
2017 $115,241 -43.5%
2018 $121,612 -40.3%
2019 $127,251 -37.6%
2020 $133,830 -34.4%
2021 $152,217 -25.3%
2022 $177,450 -13.0%
2023 $187,130 -8.2%
2024 $197,956 -2.9%
2025 $203,857 0.0%

Graph: estimated home values in Schenectady over time (USD)



Example: 100% financing house in Schenectady

Loan amount: $203,857

Interest rate: 6.00%

Fixed monthly payment: $1,222.23

Breakdown in the 1st month:
Interest portion: $1,019.29  –  Principal portion: $202.94

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $12,163.32 $2,503.39 $201,353.61
2 $12,008.92 $2,657.79 $198,695.82
3 $11,844.99 $2,821.72 $195,874.10
4 $11,670.95 $2,995.76 $192,878.35
5 $11,486.18 $3,180.53 $189,697.82
6 $11,290.01 $3,376.70 $186,321.13
7 $11,081.75 $3,584.96 $182,736.16
8 $10,860.63 $3,806.07 $178,930.09
9 $10,625.88 $4,040.83 $174,889.26
10 $10,376.65 $4,290.05 $170,599.21
11 $10,112.05 $4,554.66 $166,044.55
12 $9,831.13 $4,835.58 $161,208.98
13 $9,532.88 $5,133.82 $156,075.15
14 $9,216.24 $5,450.47 $150,624.68
15 $8,880.07 $5,786.64 $144,838.04
16 $8,523.16 $6,143.55 $138,694.49
17 $8,144.24 $6,522.47 $132,172.03
18 $7,741.95 $6,924.76 $125,247.27
19 $7,314.84 $7,351.86 $117,895.40
20 $6,861.40 $7,805.31 $110,090.09
21 $6,379.98 $8,286.73 $101,803.37
22 $5,868.88 $8,797.83 $93,005.53
23 $5,326.24 $9,340.46 $83,665.07
24 $4,750.15 $9,916.56 $73,748.51
25 $4,138.51 $10,528.20 $63,220.31
26 $3,489.16 $11,177.55 $52,042.76
27 $2,799.75 $11,866.96 $40,175.80
28 $2,067.82 $12,598.89 $27,576.92
29 $1,290.75 $13,375.96 $14,200.96
30 $465.75 $14,200.96 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Schenectady, NY


1500 sqft3900 sqft
Ø selling price$206,911$440,155
Ø fast selling$188,101$396,139
Ø high price sale$225,721$484,170

In 2026, houses in Schenectady, NY will be offered at an average price of $114 per square foot. A 1,500 sqft home priced at $206,911 is 20.72% more expensive per square foot than a 3,900 sqft home priced at $440,155. Home prices in Schenectady, NY vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $304,722. Sellers who can wait longer may achieve a higher price of up to $372,439.


Explore Schenectady, NY

History & Culture

Schenectady, NY, known as the Electric City, blends historic charm with innovative energy in New York?s Capital Region.
Visitors can stroll the Stockade Historic District to admire 18th-century architecture along the Mohawk River. Downtown Schenectady features the restored Proctors Theatre, lively restaurants, craft breweries, and year-round events, offering many things to do in Schenectady, NY.

Education & Economy

Union College and nearby research hubs foster a skilled workforce and support growing tech, healthcare, and clean-energy sectors.

Outdoors & Family Fun

Outdoor lovers enjoy trails, kayaking on the Mohawk, and the seasonal beauty of Central Park?s Rose Garden. Family-friendly attractions include the Museum of Innovation and Science (miSci) and community festivals that celebrate local culture.

Housing & Transportation

Real estate in Schenectady, NY offers historic homes, new apartments, and walkable neighborhoods at competitive Capital Region prices. Convenient transportation links such as I-890, Amtrak, and Albany International Airport make commuting and travel easy.

Growth & Lifestyle

The city?s revitalization brings small-business incentives, arts funding, and streetscape improvements that enhance quality of life. Whether you are planning a weekend getaway or a permanent move, Schenectady, NY delivers value, character, and opportunity.



FAQ – Home Values in Schenectady

What is the median home value in Schenectady in 2026?

In 2026, the typical home value in Schenectady is about $203,857 for an average home size of 1798 square feet. This corresponds to an average price of roughly $114 per square foot.

What is the average cost per square foot in Schenectady?

In 2026, homes in Schenectady sell for an average of around $114 per square foot, with a typical range between $35 and $323 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Schenectady is about 1798 square feet, with an estimated 2026 value around $203,857.



Locations close to Schenectady, NY

Kingston, NY291 $ / ft²
Accord, NY316 $ / ft²
Acra, NY258 $ / ft²
Albany, NY146 $ / ft²
Wynantskill, NY129 $ / ft²
Worcester, NY110 $ / ft²
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