Schenectady Homes under $200,000

Welcome to Schenectady, New York—a city rich in history, culture, and charm. Nestled in the heart of the Capital Region, Schenectady offers a unique blend of urban amenities and suburban tranquility, making it an ideal place to call home. With its picturesque parks, vibrant arts scene, and a strong sense of community, Schenectady is a hidden gem waiting to be discovered.

One of the most appealing aspects of Schenectady is its diverse real estate market, particularly for those seeking homes under $200,000. Whether you’re a first-time homebuyer, a savvy investor, or looking to downsize, you’ll find a variety of options that cater to your needs. From quaint single-family homes with charming architectural details to cozy townhouses nestled in friendly neighborhoods, there’s something for everyone.

Schenectady is also known for its convenient location, providing easy access to major highways and public transportation, making it a commuter’s dream. The city is home to several parks, recreational facilities, and local events that foster a strong community spirit. You can enjoy everything from farmers’ markets to festivals, ensuring there’s always something happening right at your doorstep.

As you explore the affordable housing options in Schenectady, you’ll also appreciate the proximity to excellent schools, shopping districts, and dining establishments that cater to all tastes. With its inviting atmosphere and affordable living, Schenectady is not just a place to live; it’s a place to thrive. Come discover your perfect home in this vibrant city today!

Newest Schenectady Homes under $200,000

$138,000

2 Beds ⋅ 1 Baths ⋅ 202628748 MLS

**Your Opportunity to Own Starts Here!** Why keep paying rent when you could have a place to call your own? Cute, economical, and conveniently located, this charming 2-bedroom, 1-bath ranch is a great place to start! Enjoy easy one-floor living, central air conditioning, an attached one-car garage, and a newer storage shed. Offering 836 square feet of living space, this home is full of potential and ready for your personal touches. Close to shopping, dining, and everyday conveniences. An affordable opportunity to make homeownership a reality!

256 Perry Street, Schenectady

$164,900

3 Beds ⋅ 2 Baths ⋅ 202628670 MLS

Affordable single-level ranch with great bones, ready for your modern updates! 1534 Unadilla Street offers 3 bedrooms, 2 full baths, and 1,260 sq ft all on one floor, including first-floor laundry, in a convenient Schenectady location just off Nott St. The layout already works well, with a living room, formal dining room, and an eat-in kitchen with ample cabinet space, so you can focus your renovation budget on finishes and style rather than reconfiguring walls. Bring your vision to the kitchen and baths and build instant equity. Outside, the level, landscaped 0.14-acre lot offers a deep, open backyard bordered by mature trees and evergreens, plus a patio, storage shed, covered carport, and off-street parking for up to four vehicles. Practical features include low-maintenance vinyl siding, forced air heat, circuit breakers, public water and sewer, a pull-down attic, and a partial basement with sump pump. Whether you're looking for a home to personalize or a long-term investment with solid upside, this one is priced right at $164,900. Opportunities like this don't last long in this market. Schedule your showing today!

1534 Unadilla Street, Schenectady

$149,900

4 Beds ⋅ 2 Baths ⋅ 202628390 MLS

Investment opportunity or owner occupy this centrally located two-family near Union College. Two bedrooms and one bathroom in each unit and ready for your updates to make this a prize property.

9 Jackson Place, Schenectady

$199,900

3 Beds ⋅ 1 Baths ⋅ 202628328 MLS

OPEN HOUSE SUNDAY OCTOBER 25, 11AM-1PM. Welcome home to this 3-bedroom, 1-bath ranch situated on a spacious lot. This move-in ready home features a bright living room, an eat-in kitchen, and easy one-floor living. The partially finished basement provides additional living space. Outside, enjoy a large backyard perfect for entertaining, gardening, or play, along with a storage shed for added convenience. Conveniently located near shopping, dining, schools, and major roadways, this home offers comfort, functionality, and great value.

327 Manchester Road, Schenectady

$199,900

3 Beds ⋅ 1 Baths ⋅ 202627658 MLS

Welcome To 1282 Princetown Rd! This parcel features- -0.29 Acre Lot. -Detached Two Car Garage. -Open Floor Plan. Property Needs Work. Cash. As Is. Assignment Of Contract

1282 Princetown Road, Schenectady

$199,900

3 Beds ⋅ 1 Baths ⋅ 202627359 MLS

OPEN HOUSE, Saturday, Oct. 10th from 11-1. Welcome to 1632 Hawthorne Street, a charming 3-bedroom, 1-bath bungalow located in Schenectady's Mont Pleasant neighborhood. This well-maintained home offers comfortable one-level living with approximately 928 square feet of living space, featuring hardwood floors, an eat-in kitchen with convenient pantry storage, and a full basement providing plenty of additional storage space.

1632 Hawthorne Street, 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

$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

$191,900

2 Beds ⋅ 1 Baths ⋅ 202625907 MLS

Living room/dining room combo. All on 1 floor. 2 large bedrooms, applianced oak kitchen, full basement. Fresh paint, replacement windows, walk-up attic for future expansion. Modern bath, 6-panel doors, open flr plan. huge heated and insulated rear porch, could be 1st flr laundry, extra bedroom, or a combination of both. Quiet dead end street, private yard,. 2 yr old GFA furnace, easy to show.

1226 Donnan Avenue, Schenectady

$200,000

2 Beds ⋅ 1 Baths ⋅ 202625686 MLS

Great location, great price, and plenty of potential! Welcome to this cozy bungalow situated on a desirable double lot, offering a wonderful opportunity to make it your own. The inviting interior features 2 bedrooms, 1 full bath, tall ceilings, an enclosed front porch, and a full basement providing plenty of storage or future possibilities. Step outside and enjoy the spacious backyard, complete with an above-ground pool--perfect for relaxing or entertaining. A 1-car garage and plentiful off-street parking add even more convenience. A great opportunity at an attractive price--come see all this charming bungalow has to offer!

2206 William Street, Schenectady

$139,000

2 Beds ⋅ 2 Baths ⋅ 202625504 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! This home is currently under construction and slated to be finished by the end of the Month (April). Pictures are what the home will look like.

526 Summit Avenue, Schenectady

$139,000

2 Beds ⋅ 2 Baths ⋅ 202625497 MLS

559 Summit Avenue, Schenectady

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Schenectady Homes under $200,000

Newest Schenectady Homes under $200,000

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