Cost of Living in Schenectady County, NY

What does it cost to live in Schenectady County? Income, housing, and affordability breakdown.

Median Income

$75,056

Median Rent

$1,092/mo

Median Home

$204,400

Affordability

407

Housing Cost Breakdown

Owning (20% down, 6.5%)

Mortgage (P&I)$1,034
Property Tax$436
Insurance$68

Total Monthly$1,538
% of Income24.6%

Renting

Median Rent$1,092
Renter's Insurance$25

Total Monthly$1,117
% of Income17.5%

Living in Schenectady County, New York

Schenectady County has a median household income of $75,056 with housing costs that represent 24.6% of income for owners and 17.5% for renters. Housing costs are within the recommended 30% of income threshold.

The affordability index of 407 (100 = median income perfectly covers median housing costs) gives a quick snapshot. Use our calculator for a comprehensive comparison across counties, including taxes, utilities, healthcare, and commute costs.

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Family and education

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Bureau of Economic Analysis. Estimates are county-level medians. This is not financial advice.