Schenectady, NY, US
Electric City with GE's founding roots, Union College, and Proctors Theatre.
Below Average vs US Avg (100)
Affordable
Household income
Job market health
Schenectady vs US Average
Taxes
- State Income Tax: 6.8%
- Sales Tax: 8.0%
Economy & Jobs
- Median Income: $52,000
- Unemployment: 4.0%
- Population: 66,000
Climate
- Sunny Days: 165/year
- Summer High: 82°F
- Winter Low: 18°F
- Farming Zone: USDA Zone 5a
Housing
- Median Home: $200,000
- 1BR Rent: $1000/mo
Cost of Living
Schenectady's cost of living index is 95 (US average = 100).
| Category | Schenectady | National Average | Difference |
|---|---|---|---|
| Overall | 95 | 100 | -5.0% |
| Housing | 98 | 100 | -2.0% |
Data source: Council for Community and Economic Research (C2ER), 2026
Housing Market
| Metric | Value |
|---|---|
| Median Home Price | $200,000 |
| Median Rent (1BR) | $1000/mo |
| Median Rent (2BR) | $1,250/mo |
| Price per Sq Ft | $133 |
Data source: Zillow Research, 2026
True Cost of Home Ownership
Utilities
Estimated monthly utility costs for a typical household in Schenectady:
| Utility | Estimated Monthly Cost | Notes |
|---|---|---|
| Electricity | $177 | Based on ~900 kWh/month typical US household usage |
| Heating & Cooling | $126 | Estimated based on local climate. Gas or electric |
| Cooling (AC) | N/A | Estimated based on local climate and electricity rates |
| Water | $70 | Includes sewer |
| Internet (100+ Mbps) | $80 | Broadband average |
| Garbage / Trash | Included in taxes | Municipal service (covered by property taxes) |
| Total Utilities | $453 | Monthly estimate (including heating & cooling) |
Data sources: U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow
Remote Work Score
Schenectady scores —/100 for remote work readiness:
Climate
Schenectady has a varied climate with distinct seasons.
| Month | Avg High | Avg Low | Rainfall |
|---|---|---|---|
| January | 38°F | 18°F | 2.5" |
| April | 67°F | 33°F | 2.8" |
| July | 82°F | 57°F | 1.5" |
| October | 62°F | 36°F | 2.2" |
Cool — many vegetables, some fruit trees
Natural Hazards
Schenectady faces the following natural hazards:
Severe winter storms.
Mohawk River flooding.
Coastal areas affected by hurricanes.
Tornado risk.
Adirondacks with avalanches.
Based on historical records and geographic risk assessment.
Taxes
- State Income Tax: 6.85%
- Sales Tax: 8%
- Property Tax: ~1.72% of assessed value
Economy & Jobs
Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 4.0%.
Schools & Education
Academic Schedule
State mandates 180 school days. NYC Department of Education has its own calendar.
Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.
Frequently Asked Questions
What is the cost of living in Schenectady, NY, US?
The cost of living index in Schenectady is 95, which is Lower the US national average of 100.
How much does it cost to buy a home in Schenectady?
The median home price in Schenectady is $200,000. The housing index is 98.
What is the average rent for a 1-bedroom apartment?
The average rent for a 1-bedroom apartment in Schenectady is approximately $1000/mo.
Does Schenectady, NY have income tax?
Schenectady is in NY, which has an income tax rate of 6.85%.
What is the climate like in Schenectady?
Schenectady enjoys approximately 165 sunny days per year. Summer highs reach around 82°F, while winter lows can drop to around 18°F.
Data Sources
- Cost of Living: Council for Community and Economic Research (C2ER), 2026
- Housing Data: Zillow Research, 2026
- Income & Employment: US Census Bureau American Community Survey, 2024
- Utilities U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow
Data last updated: August 12, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.