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In Schenectady there are 26,307 individual units of housing (the total of apartments, houses, and condos). As of 2000, the share of housing units in the city that were owner-occupied was 45%.
In Schenectady, 62% of housing units (exluding rentals) have a mortgage. About 11% of houses and condos in the city have a home equity loan or second mortgage.
Mortgage and interest rate quotes for the Schenectady area (or anywhere else you choose in the US) are available, without obligation or credit checks:
| Category | Value |
|---|---|
| Homes With No Mortgage | 38% |
| With A Mortgage | 62% |
| First Mortgage Only | 51% |
| Second Mortgage or Home Equity Loan | 11% |
| Second Mortgage Only | 5% |
| Home Equity Loan Only | 5% |
| Category | Value |
|---|---|
| Owner Costs as % of Income | 20.4% |
| Median Real Estate Taxes (2000) | $2,662 |
| Category | Value |
|---|---|
| Total Occupied | 26,307 |
| 1-Person Households | 39% |
| 2-Person Households | 29% |
| 3-Person Households | 14% |
| 4-Person Households | 10% |
| 5-Person Households | 5% |
| 6-Person Households | 2% |
| 7+-Person Households | 1% |
| Category | Value |
|---|---|
| Median Year Built | 1939 |
| Median Year Built (Owner Occupied) | 1939 |
| Median Year Built (Renter Occupied) | 1942 |
| Category | Value |
|---|---|
| Using Utility Co. Gas Heat | 88% |
| Using Bottled/Tank Gas Heat | 1% |
| Using Electric Heat | 2% |
| Using Oil Heat | 8% |
| Using Coal | 0% |
| Using Wood Heating | 0% |
| Using Solar Heat | 0% |
| Other Heating | 0% |
| No Heating | 0% |
| Category | Value |
|---|---|
| No Bedrooms | 0% |
| 1 Bedroom | 4% |
| 2 Bedrooms | 20% |
| 3 Bedrooms | 51% |
| 4 Bedrooms | 19% |
| 5+ Bedrooms | 7% |
Rate quotes from multiple lenders for the Schenectady area:
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