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Cohoes city, NY

ZIP 12047 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12047

Median Home Value
$237,200
Median Rent
$1,095
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,524/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 12047 in Cohoes city, NY, a household would need roughly $65,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,524. That is roughly in line with the local median household income ($66,970). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
47.3%-28% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
23.2%-53% vs US avg
x
Mortgage-Free
38.9%+2% vs US avg
x
$237,200
Home Value
$1,095
Rent
1959
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached34.2%
  • 1-unit attached5.4%
  • 2-9 units42.6%
  • 10+ units17.5%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$237,200
Median rent$1,095
Owner-occupied47.3%
Vacant11.0%
Price-to-income3.5x
Est. income to buy$65,000