Albany County Homes under $400,000

Welcome to Albany County, New York—a vibrant region steeped in history and brimming with opportunity! Nestled in the heart of the Capital District, Albany is known for its rich cultural heritage, stunning architecture, and a dynamic blend of urban and suburban living. With a population that thrives on diversity and innovation, Albany offers residents a unique lifestyle that balances the hustle and bustle of city life with the charm of peaceful neighborhoods.

For those seeking affordable housing options, Albany County is a treasure trove of homes priced under $400,000. Here, you'll discover a variety of properties that cater to different tastes and lifestyles—from cozy bungalows and charming townhouses to spacious family homes. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, Albany’s real estate market has something for everyone.

Imagine living just moments away from the vibrant downtown area, where you can enjoy local eateries, boutique shopping, and cultural attractions like the New York State Museum and the Albany Institute of History & Art. With excellent schools, beautiful parks, and a strong sense of community, Albany County is an ideal place to call home.

As you explore your options in this captivating county, you'll find that homeownership is not just a dream, but a reality waiting to be embraced. With the perfect blend of affordability, accessibility, and charm, Albany County invites you to make your mark in this thriving community. Start your journey to finding your dream home today!

Newest Albany County Homes under $400,000

$329,900

3 Beds ⋅ 2 Baths ⋅ 202627520 MLS

*** OPEN HOUSE on Sunday 10/4 from 12-2PM *** Beautiful brick ranch featuring a modern kitchen, recently renovated bathrooms, and new windows. This well-maintained home offers 3 bedrooms and 2.5 bathrooms, hardwood floors throughout, a 1-car garage, and additional off-street parking for two vehicles. The finished basement includes a spacious family room, a full bathroom, and a kitchenette with a separate exterior entrance, making it ideal for an in-law suite or extended family seeking privacy. Relax in the inviting three-season room and enjoy the beautifully landscaped gardens. Conveniently located with easy highway access and close to Albany Medical Center and St. Peter's Hospital.

87 Buckingham Drive, Albany

$269,000

3 Beds ⋅ 2 Baths ⋅ 202627494 MLS

Brick ranch with three bedrooms and 1 and a half baths in the South Colonie School District! 2 Car detached garage plus a workshop AND carport! This property offers not only all these amenities but the convenience of Colonie with restaurants in walking distance and an affordable price tag! Put your personal stamp on this fantastic home and start building your equity from day 1.

15 Mary Hadge Drive, Colonie

$329,999

6 Beds ⋅ 3 Baths ⋅ 202627485 MLS

Solid three-unit building on Van Schaick Island in Cohoes, conveniently located near Route 32 and I-787, with a short drive to Latham and Troy. Updated units each offer two bedrooms, one bathroom and washer/dryer hookups. All utilities are separate, with gas heat and gas hot water. Long-term tenants occupy two units. Current rents total $3,380 per month, or $40,560 in annualized gross rental income. Full basement. Additional interior photos to come.

98 Park Avenue, Cohoes

$400,000

3 Beds ⋅ 2 Baths ⋅ 202627483 MLS

Vacation every day with RIVER FRONT views in the 3-bedroom, 2-bath 3rd-floor condo at the sought-after Admirals Walk, maintenance-free community. Enjoy your morning coffee on your deck or relax in the evening on the screened-in deck. This expansive open floor plan lends well to entertaining, boasting a modern kitchen featuring stone countertops and stainless steel appliances. Featuring a large primary bedroom with oversized walk-in closet and en-suite. Let's not forget the outdoor inground pool for those hot summers or the elevator right outside your door to go down to your private 1-car garage. Located conveniently to all the Capital Region has to offer. Your next chapter deserves a lifestyle like this!

8304 Admirals Walk Drive, Cohoes

$265,000

2 Beds ⋅ 1 Baths ⋅ 202627476 MLS

Welcome to this charming 2-bedroom, 1-full-bath home located in the highly regarded North Colonie/Shaker School District. Recently updated with new flooring, this home features a comfortable eat-in kitchen, large living room, enclosed front porch, vinyl siding, an attached garage, and very low utility costs and taxes. Situated on a very large corner lot with an expansive front yard, the property also offers ample off-street parking for approximately 4-5 vehicles. Located in a quiet neighborhood while still conveniently close to area shopping, highways, restaurants, and everyday amenities. A great opportunity for anyone looking for an affordable, easy-to-maintain home in a desirable location!

22 Homewood Avenue, Colonie

$350,777

3 Beds ⋅ 2 Baths ⋅ 202627472 MLS

Looking for a country property with flexibility, space, and income potential? Welcome to 979 County Route 401 in Westerlo. Originally a single-family home and now legally converted to a two-family residence, this unique property offers a spacious one-bedroom apartment on the first floor and a four-bedroom apartment on the second floor, making it ideal for owner-occupants, multigenerational living, an in-law setup, or investors seeking rental income. Set on approximately 3 picturesque acres in the Village of Westerlo, the property enjoys a peaceful setting with Basic Creek flowing along the rear of the land. Full of charm and character, the home features abundant storage throughout, a huge walkout basement, a welcoming full-length front porch, and two enclosed porches perfect for enjoying the surrounding countryside. Additional highlights include a pellet stove in the first-floor living room, a kerosene space heater in the first-floor bedroom, two barns (one ideal for garage parking and storage, while the older barn is being sold as-is), and ample space for RVs, campers, trailers, or recreational equipment. An existing RV hookup provides added convenience for travelers or guests. Whether you're searching for a spacious country home, a property that accommodates extended family, or an investment opportunity with income-producing potential, this versatile Westerlo property offers a rare combination of flexibility, acreage, and rural charm.

979 County Route 401, Westerlo

$224,900

3 Beds ⋅ 2 Baths ⋅ 202627451 MLS

TOTALLY RENOVATED, MOVE-IN READY & READY TO BE YOURS!Welcome to 1046 Fox Creek Road, where an entirely new chapter has been created from a 1970s doublewide. Completely renovated from the ground up, this home has been transformed into a gorgeous, comfortable, modern retreat set on 1.5 acres. Step inside and prepare to be impressed! The open-concept floor plan creates a wonderful flow between the huge chef's kitchen, dining area and spacious great room, making everyday living easy and entertaining a breeze. The kitchen is truly the heart of this home, with plenty of space to cook, gather and enjoy time with family and friends. This easy-living ranch offers 3 spacious bedrooms and 2 full baths, including a private full bath in the primary bedroom. Two of the bedrooms feature walk-in closets, offering the storage everyone wants. The third bedroom is currently being enjoyed by the family pups, but make no mistake it is a full-size bedroom ready for whatever your needs may be.Everything has been renovated and updated, so there is truly nothing to do but move in and start enjoying your new home. Even the laundry is conveniently tucked into a closet right off the great room for maximum ease and efficiency.Step out the back door and you'll find a fenced yard, perfect for children, pets or simply enjoying the outdoors. Beyond the fenced area, the 1.5 acres give you room to spread out, garden, entertain or bring a few animals. A small barn with fencing offers the perfect setup for chickens, goats, sheep or whatever backyard homesteading dreams you may have.A circular driveway and extensive off-street parking provide plenty of room for vehicles, guests, trailers and toys.Privacy, low-maintenance living, beautiful upgrades, an open floor plan and room to enjoy the outdoors this one checks a lot of boxes! And with financing options available through the Bank of Delhi, owning this beautifully renovated home may be closer than you think.1046 Fox Creek Road is calling you home.

1046 Fox Creek Road, Rensselaerville

$329,900

4 Beds ⋅ 2 Baths ⋅ 202627426 MLS

Nothing to do here but move in! This beautifully renovated 4-bedroom, 2-bath home offers 1,634 square feet of stylish, open and comfortable living space in the heart of Albany. The thoughtfully renovated kitchen is sure to impress, featuring new cabinetry, solid-surface countertops, stainless steel appliances, and modern hardware. Both bathrooms have been beautifully updated with contemporary finishes, including anti-fog mirrors and other stylish touches. The updates continue throughout the home with all-new flooring, new sheetrock, fresh paint, and new lighting, creating a clean, modern feel from room to room. A convenient laundry nook includes a washer and dryer, making everyday living that much easier. With four bedrooms, there is plenty of flexibility for family, guests, a home office, or whatever suits your lifestyle. Step outside to the fenced backyard, complete with a privacy screen and platform deck, an ideal space for relaxing, entertaining, or enjoying your morning coffee. Renovated, refreshed, and ready for you! Come see everything this home has to offer and make it yours. Schedule your showing today!

705 State Street, Albany

$350,777

5 Beds ⋅ 2 Baths ⋅ 202627413 MLS

979 County Route 401, Westerlo

$397,000

4 Beds ⋅ 2 Baths ⋅ 202627408 MLS

Situated on a spacious established lot in the North Colonie School District. This home offers a rare sense of openness and backyard privacy that can be difficult to find so close to town. Inside, you will find interior improvements that make the space fresh and move-in ready, while the versatile full basement and attached two-car garage provide value and endless room for parking, storage, or future expansion possibilities. Beyond the solid brick construction and inviting living spaces, the property location is unbeatable. You are situated just minutes from major highway exits like I-87 and Route 9 for an effortless commute to Albany, Troy, or Saratoga, and only a stone throw from major shopping centers, libraries, and healthcare facilities. Offering a combination of character, outdoor space, and everyday conveniences, this property is truly ready for its next chapter. Showings begin Sunday 10/4.

1016 New Loudon Road, Cohoes

$249,900

5 Beds ⋅ 2 Baths ⋅ 202627406 MLS

Fantastic two-family offering a smart opportunity for investors and owner-occupants alike! With over $50K in upgrades completed in the last few years--including a new roof with warranty, chimney, furnace, plumbing, lighting, and more--many of the major improvements are already taken care of. Both units feature spacious kitchens and living areas, along with generously sized primary bedrooms, creating comfortable and functional living spaces. A large fenced-in yard adds even more appeal for future tenants or an owner-occupant. With low taxes and the ability to pick your tenants, this property offers a great opportunity to generate rental income, offset your monthly mortgage, and build equity at the same time. Whether you're looking to expand your investment portfolio or make homeownership more affordable by letting rental income work for you, this one checks the boxes. See it today before it's gone!

657 Broadway, Watervliet

$300,000

3 Beds ⋅ 1 Baths ⋅ 202627396 MLS

Move-in-ready home conveniently located near Albany Medical Center, St. Peter's Hospital, and Albany Law School. Property features an updated kitchen, renovated bathroom with contemporary fixtures and finishes, hardwood floors, numerous interior updates, and dedicated off-street parking.

71 Hollywood Avenue, Albany

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