Market Overview
Home Prices in Cohoes, NY
The median home value in Cohoes, NY is $344,020 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3% compared to a year ago and up 4.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cohoes are priced16% below average. Cohoes is part of the Albany-Schenectady-Troy, NY metro area.
Over the past five years, Cohoes home values have risen by approximately32.6%, reflecting strong long-term appreciation in this market.
Price History
Cohoes Home Price Trend
City Comparison
Cohoes vs. National Median
At $344,020, homes in Cohoes cost 16% below the national median of $410,000. This makes Cohoes a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cohoes?
20% Down Payment
$68,804
on $344,020
Monthly P&I
$1,794/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,278/mo
incl. taxes & insurance
Income Needed
$91,120
gross annual (30% rule)
10% Down Option
$34,402
+ PMI applies
Loan Amount (20% dn)
$275,216
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cohoes, NY?
The median home value in Cohoes is $344,020 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3% year-over-year.
How much have home prices changed in Cohoes?
Over the past year, home values in Cohoes have increased by 3%. Over five years, prices have risen approximately 32.6%.
How much do I need to earn to buy a home in Cohoes?
To comfortably afford the median home price of $344,020 with a 20% down payment ($68,804) at today's rates (6.8%), you'd need a gross annual income of approximately $91,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Cohoes compare to the national average home price?
The national median home value is approximately $410,000. At $344,020, homes in Cohoes are 16% below the national average.
What metro area is Cohoes part of?
Cohoes is part of the Albany-Schenectady-Troy, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.