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City · 21,227 residents · Schenectady County, New York

Niskayuna , New York

In Niskayuna, a typical home is worth $357,900 and typical rent is $1,589 a month. Compared with all of Schenectady County, typical household income is 68% higher, the typical home value is 52% higher, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $357,900

    52% above the county

    16% below New York

    • Niskayuna
    • Schenectady
    • New York

  • Typical rent

    $1,589a month

    33% above the county

    About the same as New York

    • Niskayuna
    • Schenectady
    • New York

  • Typical household income

    $134,052a year

    68% above the county

    56% above New York

    • Niskayuna
    • Schenectady
    • New York

  • Households that own their home

    81%

    17 points above the county

    26 points above New York

    • Niskayuna
    • Schenectady
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Niskayuna is in Schenectady County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Schenectady County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Niskayuna apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Niskayuna is $134,052, 68% more than in Schenectady County as a whole ($79,623).

  2. Nearby, in Schenectady, the typical home value is $168,800: 53% less than in Niskayuna ($357,900).

  3. The typical home in Niskayuna is worth $357,900, 52% more than in Schenectady County as a whole ($235,700).

  4. Nearby, in Scotia, the typical rent is $1,031: 35% less than in Niskayuna ($1,589).

  5. 81% of households in Niskayuna own their home, against 64% in Schenectady County.

  6. The typical rent in Niskayuna is $1,589 a month, 33% more than in Schenectady County as a whole ($1,194).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Niskayuna

What homes there are in Niskayuna, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 77% of homes here, against 60% in Schenectady County.

Year built

Here half of the homes date from 1968 or later; in Schenectady County, from 1956 or later.

There is more room for a big family here: 74% of homes have 3 bedrooms or more, against 60% in Schenectady County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,454 a month

Schenectady County: $1,875 a month

Without a mortgage

$1,043 a month

Schenectady County: $756 a month

Owners with a mortgage

63%

Schenectady County: 63%

The typical cost for an owner with a mortgage in Niskayuna is $2,454 a month, more than in Schenectady County ($1,875); without one, $1,043.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The Census does not compare Niskayuna with 2015–2019 because its boundaries changed. In Schenectady County, over that time, the typical home value rose 39%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureNiskayunaSchenectady CountyNew YorkUnited States
Rental vacancy Unreliable estimate4.5%3.8%5.5%
Homeowner vacancy Unreliable estimate1.0%1.1%0.9%
More than one person per room Unreliable estimate1.8%5.3%3.4%
People per household 2.552.322.492.53
Drive alone 73%71%49%69%
Carpool Unreliable estimate8%6%9%
Public transit Unreliable estimate3%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 21%14%15%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.55 on average, against 2.32 in Schenectady County.

In Niskayuna, 21% of workers work from home, more than in Schenectady County (14%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Niskayuna?

A typical home is tight for the typical income

We start with a typical home in Niskayuna, worth $357,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Niskayuna, which is $134,052 a year. For that payment to be 28% of income, a household would need to earn about $147,285 a year.

The calculator's FHA and conventional loan limits are those of all of Schenectady County.

Your numbers

Local data
$

Starts at the typical home value in Niskayuna. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,527 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,437

at 7.18% · 30 years

Loan amount
$351,417
Total interest
$505,607
Paid off in
November 2056

Includes $6,044 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,128 a month

  • Tight

    $3,128 to $4,022 a month

    Your payment · 31%

  • Hard

    more than $4,022 a month

Compared with the typical household income in Niskayuna ($134,052 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,437
Principal & interest$2,381
Property tax$749
Home insurance$149
FHA mortgage insurance (MIP)$158

You need at least $12,527 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Niskayuna and Schenectady County

Niskayuna is in Schenectady County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Niskayuna's own numbers

Typical home value
$357,900
Typical monthly rent
$1,589
Typical yearly household income
$134,052
Households that own their home
81%
Effective property tax rate
2.51%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Schenectady County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,711
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
0.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Schenectady County.

Everything about Schenectady County

Buying

Buying a home in Niskayuna

A typical home in Niskayuna is worth $357,900: 52% above the county and 16% below New York. With the typical household income in Niskayuna ($134,052 a year), a typical home costs 2.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Niskayuna 2.7 years
  • Schenectady 3.0 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Schenectady County

According to FHFA’s house price index, home prices in Schenectady County rose 80% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Schenectady County.

Period County New York U.S.
Last year (2025) +4.2% +6.0% +2.9%
5 years (2020–2025) +57% +52% +47%
10 years (2015–2025) +80% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Niskayuna next to Schenectady County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Niskayuna $357,900
  • Schenectady $235,700
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Niskayuna $1,589
  • Schenectady $1,194
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Niskayuna $134,052
  • Schenectady $79,623
  • New York $85,974
  • United States $80,734
See the full table
Niskayuna next to Schenectady County and New York
Measure Niskayuna Schenectady County New York U.S.
Typical home value $357,900 $235,700 $423,800 $332,700
Typical monthly rent $1,589 $1,194 $1,621 $1,413
Typical yearly household income $134,052 $79,623 $85,974 $80,734
Households that own their home 81% 64% 54% 65%
Typical yearly property tax $8,982 $5,568 $6,582 $3,119
Effective property tax rate 2.51% 2.36% 1.55% 0.94%
Renters with high rent for their income 40% 54% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Schenectady County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Niskayuna

For a typical $357,900 home in Niskayuna, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Niskayuna's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,437a month

    Least cash to close
    Down payment
    $12,527
    Cash to close
    $23,264
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $158

  • Conventional, 5% down $3,371a month

    Down payment
    $17,895
    Cash to close
    $28,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $170

  • Conventional, 20% down, no PMI $2,837a month

    Down payment
    $71,580
    Cash to close
    $82,317
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,168a month

    Down payment
    $53,685
    Cash to close
    $64,422
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Niskayuna and for Schenectady County.

Property tax

Effective rate in Niskayuna

2.51%of the home’s value each year

$8,982 a year for the typical owner in Niskayuna.

  • Niskayuna 2.51%
  • Schenectady 2.36%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Schenectady County

FEMA does not publish these numbers by city: they are for all of Schenectady County.

Homes in the high-risk zone
0.6%
305
Of those, with NFIP insurance
39%
County New York U.S.
Homes in the high-risk zone 0.6% 2% 3.5%
Of those, with NFIP insurance 39% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Niskayuna

Typical rent in Niskayuna is $1,589 a month: 33% above the county. In Niskayuna, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Schenectady County, by unit size. To pay the 2-bedroom one ($1,711 a month) without spending more than 30% of your income, you would need to earn $32.90 an hour working full time.

HUD fair market rent for all of Schenectady County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,238 $23.81 $49,520
1 bedroom $1,425 $27.40 $57,000
2 bedrooms $1,711 $32.90 $68,440
3 bedrooms $2,039 $39.21 $81,560
4 bedrooms $2,249 $43.25 $89,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Niskayuna

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Niskayuna is in ZIP code 12309.

For 2 bedrooms it is $1,920: $209 more than the fair market rent for Schenectady County ($1,711).

  • 12309 $1,920$2,290

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Niskayuna when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Niskayuna

HUD lists one building with rents for lower incomes in Niskayuna.

  • 2827 River Road 2827 River Rd, Niskayuna 12309 6 low-income homes · For people with disabilities

See all 18 buildings in Schenectady County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Niskayuna

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Schenectady County; 1 says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Niskayuna

No down payment, repair or rent-help program on our list is for Niskayuna or Schenectady County. The ones below are statewide in New York: they work in Niskayuna the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Niskayuna

The HUD-approved agencies closest to the center of Niskayuna, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • BETTER COMMUNITY NEIGHBORHOODS, INC. (formerly Better Neighborhoods, Inc.)

    816 Union St, Schenectady · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (518) 372-7616

  • Troy Rehabilitation and Improvement Program

    415 River St Ste 2, Troy · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (518) 690-0020

  • Albany County Rural Housing Alliance, Inc.

    24 Martin Rd, Voorheesville · 12 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (518) 765-2425

Every agency in Schenectady County All counseling agencies in New York

Help in Spanish near Niskayuna

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Niskayuna

In HUD’s record, no housing authority with an office in Schenectady County is named for Niskayuna or Schenectady County.

One other authority has an office in Schenectady County: see the list Source: HUD

Cities

Other cities in Schenectady County

These cities are also in Schenectady County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Schenectady County Housing in New York

Nearby cities

The cities closest to Niskayuna, with the typical home value.

Neighboring counties

If Schenectady County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Niskayuna.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Niskayuna

Short answers with the numbers for Niskayuna and all of Schenectady County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Niskayuna?

The typical home value in Niskayuna is $357,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Schenectady County it is $235,700.

How much does it cost to rent in Niskayuna?

Typical rent in Niskayuna is $1,589 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Schenectady County is $1,711.

What is the FHA loan limit in Niskayuna?

Niskayuna uses the FHA limit for all of Schenectady County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Niskayuna?

The typical homeowner in Niskayuna pays $8,982 a year, according to the U.S. Census Bureau. That is 2.51% of the home’s value; in Schenectady County, the rate is 2.36%.

Where can I find free help to buy or rent in Niskayuna?

There is 1 HUD-approved counseling agency with an office in Schenectady County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).