Schenectady County Homes under $200,000

Welcome to Schenectady County, a hidden gem nestled in the heart of New York State. Rich in history and bursting with charm, Schenectady offers a delightful blend of urban amenities and picturesque landscapes. Known for its vibrant arts scene, diverse dining options, and beautiful parks, this county is a fantastic place to call home.

For those seeking affordable housing options, Schenectady County is a treasure trove of homes priced under $200,000. Whether you're a first-time homebuyer, an investor looking for rental properties, or simply someone wanting to downsize, you'll find a variety of charming residences that fit your budget. From quaint bungalows to cozy townhouses, the options are plentiful and diverse.

Imagine settling into a lovely two-bedroom home with a spacious backyard, perfect for summer barbecues and family gatherings. Or perhaps a charming historic property that reflects the rich architectural heritage of the area is more your style. Schenectady's real estate market is thriving, and with homes under $200,000, you can find your ideal space without breaking the bank.

Living in Schenectady means enjoying easy access to the bustling downtown area, where you can explore local shops, cafes, and cultural events. Plus, with excellent schools and a strong sense of community, it’s an ideal spot for families and individuals alike.

Discover the affordable charm of Schenectady County today and take the first step toward making your homeownership dreams a reality!

Newest Schenectady County Homes under $200,000

$189,900

2 Beds ⋅ 1 Baths ⋅ 202627267 MLS

*Open House Sunday, 10/4, from 1 - 2:30* Enjoy easy, maintenance-free living in this inviting 2-bedroom, 1-bath first-floor condo. The spacious living and dining area offers plenty of room to relax or entertain, while in-unit laundry adds everyday convenience. Patio to enjoy your morning coffee or unwind at the end of the day. The primary bedroom features a generous walk-in closet for added storage. With the HOA handling snow removal, lawn care, and exterior maintenance, you can spend less time on upkeep and more time enjoying your home. This property presents a great opportunity to add your own style and make it your own.

705 Cambridge Manor Drive, Scotia

$199,000

6 Beds ⋅ 2 Baths ⋅ 202627158 MLS

Classic 1920 two-family home in the City of Schenectady offering 1,958 sq ft of living space across two levels. With two kitchens, two full baths and 6 bedrooms total, this property works well for an owner-occupant looking to offset the mortgage with rental income or for an investor adding to a portfolio. Features include natural gas forced-air heat, public water and sewer, a full basement, multiple covered and enclosed porches, and a detached one-car garage. Property being sold, ''As Is''. Don't miss this opportunity - schedule your showing today!

1609 Avenue B, Schenectady

$50,000

2 Beds ⋅ 2 Baths ⋅ 202626928 MLS

Here is your opportunity to bring this property back! The first floor can be an apartment or store front with proper City approvals. There is already a residential unit on the second floor. However, the building requires a full rehab. Cash or renovation financing to be considered. This is owned by the City of Schenectady. All offers must include proof of funds for offer price and minimum reserves of $62,500. A scope of work can be submitted to support your offer. Buyer to verify the taxes. City owned property is exempt. Offer deadline for November PMC meeting is 10/26/26. No offers will be considered by the PMC prior to the November meeting.

844 Albany Street, Schenectady

$165,000

3 Beds ⋅ 2 Baths ⋅ 202626901 MLS

This newly constructed townhome, offered through the Affordable Homeownership Opportunity Program (AHOP), provides a modern and affordable path to homeownership for moderate-income first-time buyers. Designed with contemporary finishes and quality craftsmanship, the home offers both comfort and style at a budget-conscious price making it an ideal choice for those seeking long-term stability and equity in a growing community. Let us help you get into your dream home!

556 Summit Avenue, Schenectady

$165,000

3 Beds ⋅ 2 Baths ⋅ 202626904 MLS

499 Mumford Street, Schenectady

$165,000

3 Beds ⋅ 2 Baths ⋅ 202626892 MLS

554 Summit Avenue, Schenectady

$139,000

2 Beds ⋅ 2 Baths ⋅ 202626889 MLS

364 Georgetta Dix Plaza, Schenectady

$175,000

5 Beds ⋅ 3 Baths ⋅ 202626856 MLS

Best and final offers due on Sunday ,10/4, at 4pm! Opportunity knocks at 209 Swan Street in the Village of Scotia! This 5 bedroom, 2 full bath home offers 1,920 sq ft of living space on a double lot, and it's ready for a buyer with vision. The home needs work, but it has great bones and plenty of original character, including hardwood floors throughout, a living room fireplace, and a formal dining room. The kitchen has granite counters, white cabinetry, stainless appliances, and a large island. With two first floor bedrooms and a full bath on each level, the layout gives you flexible options. Central air, natural gas forced air heat, and a full basement with laundry are already in place. Outside, the level, fenced double lot has room to grow, along with a deck, a front porch, a detached garage, and a paved driveway with off street parking for three. A great opportunity for investors, contractors, or anyone looking to build equity. Scotia-Glenville School District. Sold as is.

209 Swan Street, Scotia

$175,000

4 Beds ⋅ 2 Baths ⋅ 202626826 MLS

Assignment of contract. Cash only sold as is. 10 percent deposit required. Agent has ownership interest

406 Mohawk Avenue, Scotia

$199,000

2 Beds ⋅ 2 Baths ⋅ 202626705 MLS

This well-maintained multi-family property is a great starting investment opportunity. Both units are vacant and move-in ready, with in-unit washers and dryers for added convenience. Located just minutes from Union College, this desirable location attracts strong rental demand. The property is ready for immediate occupancy. Don't miss out--schedule your showing today!

233 Park Place, Schenectady

$179,900

3 Beds ⋅ 1 Baths ⋅ 202626507 MLS

Cute bungalow new to market in the South Colonie School District! This 3 bedroom, 1 bath home offers an excellent opportunity for buyers looking for an affordable home with plenty of potential. Conveniently located near shopping, dining, schools, major roadways and everyday amenities. The manageable layout makes this a great option for a first-time buyer, downsizer or investor. Bring your ideas and make this charming bungalow your own. Great location, convenient setting and lots of possibilities!

46 N Alandale Avenue, Niskayuna

$183,000

2 Beds ⋅ 2 Baths ⋅ 202626402 MLS

Move-in ready and recently updated throughout! This spacious 1,026 SF, two-story condo offers 2 bedrooms, 1.5 baths and generously sized living, dining and kitchen areas. Recent improvements include LVP flooring throughout, recessed lighting in bedrooms, water softener (2025), stainless steel appliances including a dishwasher, plus washer and dryer for added convenience. Enjoy low-maintenance condo living in a great Scotia location within walking distance to downtown Scotia and Freedom Park, with restaurants, shopping and everyday amenities nearby. Easy access to major highways makes commuting throughout the Capital Region convenient. With modern updates, spacious rooms and a walkable location, this Scotia condo offers comfort, convenience and easy living--all that's left to do is move in!

222 S Ten Broeck Street APT 34, Scotia

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