5 Short Street, Cohoes, NY, 12047
About This Home
HOUSE HACK OPPORTUNITY - LIVE FOR FREE IN COHOES Fully renovated duplex with immediate cash flow. Unit 1 is vacant and ready for owner-occupant. Unit 2 currently rented at $1,700/month -- tenant covers majority of your mortgage from day one. 6 bedrooms, 2 full baths, 2,116 sq ft Both units completely updated with modern finishes Recent basement waterproofing - new sump pump installed April 2026 Low taxes: $3,785/year Strong rental history INVESTOR MATH: 3.5% down FHA (~$11,900) Monthly mortgage: ~$2,663 PITI Tenant pays: $1,700/month Your cost to live there: ~$963/month Perfect house hack opportunity - tenant covers 64% of your housing cost while you build equity. This is one of the strongest house hack opportunities in the Capital Region. Perfect for first-time investors, owner-occupants looking to offset housing costs, or buy-and-hold portfolios.
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1910
Materials
- Construction materials: Aluminum Siding
Type & Style
- Home type: MultiFamily
- Property subType: Duplex,Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 2
- Full bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 2,116
Heating
- Heating features: Baseboard,Natural Gas
Interior Area
- Total structure area: 2,116
- Total interior livable area: 2,116 sqft
Property
Details
- Parcel number: 010300 10.60220
- Attached to another structure: Yes
Features
- Exterior features: Outdoor Kitchen
- Fencing: Back Yard,Fenced
Lot
- Lot size: 0.31 Acres
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Albany County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,618 | $19,416 |
| Home Insurance * | $118 | $1,416 |
| Property Taxes | $453 | $5,436 |
| Electricity | $349 | $4,196 |
| Total | $2,538 | $30,456 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-12 | Price change | $329,999 |
| 2026-04-06 | Price change | $339,999 |
| 2026-03-17 | Listed for sale | $349,999 |
| 2024-01-12 | Sold | $195,000 |
| 2023-12-02 | Pending sale | $199,900 |
| 2023-11-10 | Price change | $199,900 |
| 2023-10-28 | Listed for sale | $209,900 |
| 2023-10-27 | Listing removed | -- |
| 2023-07-17 | Pending sale | $209,900 |
| 2023-07-10 | Listed for sale | $209,900 |
| 2016-11-01 | Sold | $256,750 |
| 2014-07-18 | Sold | $132,978 |
| 2014-05-02 | Listed for sale | $139,900 |
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