Rents are 3% above what Cohoes's 10-year trend predicts — running hotter than its own history.
Rent by unit size
These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,865 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.
Source: HUD Small Area Fair Market Rents. Read the methodology →
12-month history
Last updated: October 17, 2026
What the numbers show
Rent in Cohoes is at its highest level since Zillow's records here began in February 2023.
Rent in Cohoes changed +6.8% over the year to September 2026. Across the 82 New York cities Zillow tracks, the typical change was +5.3%.
Rent has risen 6 months in a row, and rose in 11 of the last 12 months.
30% of the median household income ($61,145) is $1,529 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,510); a 3-bedroom is $1,820.
Watervliet, 3 miles away, rents for 19% less ($1,519/mo), about $4,200 a year in savings.
From Zillow's monthly rent index (ZORI) for Cohoes. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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Who lives here
Cohoes, NY is majority renter-occupied, has a median income below the national average, 27.6% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How Cohoes, NY has changed in 5 years
Five years ago, renters in Cohoes, NY paid around $1,547 a month. That figure now sits near $1,865, up 20.6% from the 2023 baseline. Median household income climbed from $58,669 to $61,145 between 2021 and 2024, a 4.2% shift. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show Cohoes, NY adding about 228 residents over the five-year window, up 1.3% on net. The renter share has risen from 56.8% to 60.5%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 25% to 27.6% across the same window. Taken together, the five-year picture in Cohoes, NY reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.
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Can you afford rent in Cohoes on your salary?
At $1,865/mo, how Cohoes rent compares to typical pay (30% rule).
Cohoes rent by bedroom count
Median rent for each apartment size in Cohoes. Click any size for full breakdown.
Tips for renters in Cohoes
Last updated: October 17, 2026
The median rent in Cohoes is $1,865/mo as of October 2026. A studio apartment averages $1,090/mo while a 2-bedroom runs $1,510/mo. One-bedroom apartments average $1,250/mo and 3-bedroom units go for $1,820/mo.
At 37% of local median household income ($61,145/yr), Cohoes ranks as moderate compared to the national benchmark of 30%. Rents have increased 6.8% over the past year.
Frequently asked questions
How much income do you need to rent in Cohoes?
Is rent going up or down in Cohoes?
How does Cohoes rent compare to other cities in New York?
Which nearby cities are cheaper to rent in than Cohoes?
At $1,865/mo, rent takes ~37% of Cohoes's median household income ($61,145/yr). The standard benchmark is 30%.
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Estimated from ZIP-level data
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