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Rotterdam, NY Homes for Sale under $400,000

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  • /39

    $299,900

    • 3 Beds
    • 2 Baths
    • 1,679 Sq Ft

    1321 Helderberg Ave, Schenectady, NY 12306

    Welcome to this beautifully updated 3-bedroom, 2 full bath home in the highly sought-after Mohonasen School District! The standout feature is the rare oversized kitchen with stainless steel appliances, offering an incredible amount of space for cooking, entertaining, and everyday living. Enjoy tastefully updated bathrooms and hardwood floors throughout, adding warmth and character to the home.

    Agent Photo

    Amanda Haley

    Coldwell Banker Prime Properties

    1321 Helderberg Ave, Schenectady, NY 12306
  • /42

    $269,000

    $16K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,336 Sq Ft

    8 Orchard St, Rotterdam Junction, NY 12150

    Discover timeless charm in this traditional home located in Rotterdam Junction within the desirable Schalmont School District, just steps from the historic Mabee Farm. This 3-bedroom home with a versatile den downstairs features beautiful hardwood floors throughout and a freshly painted front porch, perfect for relaxing. A bright bay window alcove creates a cozy nook and fills the home with

    Agent Photo

    Melissa Barone

    Romeo Team Realty

    8 Orchard St, Rotterdam Junction, NY 12150
  • /36

    $240,000

    • 3 Beds
    • 2 Baths
    • 1,296 Sq Ft

    3025 Edgewood Ave, Schenectady, NY 12306

    Welcome to 3025 Edgewood Ave! This charming 3-bedroom, 2-full-bath home offers comfortable living with a thoughtful layout and plenty of character. The inviting enclosed porch provides the perfect spot to enjoy your morning coffee, while the spacious living and dining rooms feature beautiful wood flooring and an abundance of natural light. The well-appointed kitchen offers ample cabinetry and a

    Agent Photo

    Jamie Mazuryk

    Venture Fox Realty Group LLC

    3025 Edgewood Ave, Schenectady, NY 12306
  • /31

    $359,000

    $21K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,132 Sq Ft

    1046 Gates Dr, Schenectady, NY 12306

    This lovely ranch home may be the one you've admired for years! Enjoy convenient one-floor living in a desirable, walkable neighborhood. The amazing park-like setting features meticulously manicured landscaping, colorful perennial gardens, and a spacious backyard with plenty of room for outdoor entertaining, summer parties, games, gardening, or simply relaxing. The property backs up to wooded

    Agent Photo

    Christine Frith

    COLDWELL BANKER PRIME PROPERTIES

    1046 Gates Dr, Schenectady, NY 12306
  • /68

    $389,500

    Open Fri 5PM - 7PM $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,800 Sq Ft

    212 Shirlwood Dr, Schenectady, NY 12306

    A ''must see'' inside this GORGEOUS, well-kept home in Colonial Manor. 3 bedroom, 2 full bath L-shaped ranch in lovely neighborhood. Hardwood floors, Central Air, vinyl fenced yard, Generac powers entire home if needed. Laundry rm, wheelchair elevator, HUGE, dry basement w/lots of storage and extra room for entertaining. Beautiful gas insert fireplace in lovely family room. Formal parlor, dining

    Deb Kazmierczak Bird Realty

    212 Shirlwood Dr, Schenectady, NY 12306
  • /21

    $370,000

    • 2 Beds
    • 2 Baths
    • 1,463 Sq Ft

    137 Carriage Blvd, Rotterdam, NY 12306

    Welcome home. . The contemporary eat-in kitchen offers stone countertops, energy star SS appliances and a breakfast bar. Relax in the cozy LR complete with charming gas fireplace. Enjoy the convenience of turn-key living and unwind on your private & covered, patio. All first-floor units are ADA compliant. But that's not all! The Crossings at Helederberg Meadows offers a beautiful community room

    Alisha Houle Vita Nova Group

    137 Carriage Blvd, Rotterdam, NY 12306
  • /26

    $329,900

    • 3 Beds
    • 2 Baths
    • 1,758 Sq Ft

    197 Conqua Ln, Schenectady, NY 12306

    Welcome Home! This 3 bedroom, 2 full bath is located on a quiet dead end street in the Schalmont school district. The heating system was recently updated with a brand new boiler in 2026. The kitchen was tasetfully remodeled in 2013 with Corian solid surface countertops and new stainless steel appliances. The formal dining room is beautiful, bright and sunny with plenty of room for entertaining

    Christopher Kubow Coldwell Banker Prime Properties

    197 Conqua Ln, Schenectady, NY 12306
  • /15

    $399,250

    $149K PRICE INCREASE
    • 4 Beds
    • 4 Baths
    • 2,132 Sq Ft

    162 Putnam Rd Unit 164, Schenectady, NY 12306

    Don't miss this opportunity to own well-maintained duplex in desirable Schalmont School District. Situated on a spacious 0.46-acre lot, this income-potential property features two separate living units, an attached two-car garage, two full finished basements, large backyard for enjoyment. Second unit has been completely renovated with new carpets, new kitchen cabinets, new doors and so much more!

    Derek Greene The Greene Realty Group

    162 Putnam Rd Unit 164, Schenectady, NY 12306
  • /17

    $269,999

    $20K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,584 Sq Ft

    244 William St, Schenectady, NY 12303

    This is one you wont want to miss!Beautifully renovated home in the highly desirable Mohonasen School District. This home features gleaming hardwood floors, modern bathrooms, and a new kitchen. Spacious throughout with a double lot, this home is perfect for anyone looking to buy in the Rotterdam area.

    Stephen McCormick Tier One Real Estate Pros LLC

    244 William St, Schenectady, NY 12303
  • /19

    $274,900

    $75K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,230 Sq Ft

    3 Tulip St, Schenectady, NY 12306

    Move-in ready from top to bottom! Welcome to this beautifully updated 3-bedroom, 2-full-bath home offering approximately 1,230 square feet of stylish, comfortable living space in a quiet Rotterdam neighborhood within the sought-after Mohonasen Central School District.From the moment you step inside, you'll appreciate the attention to detail and quality updates throughout. The home features a

    edward lichorat All in 1 Realty Services LLC

    3 Tulip St, Schenectady, NY 12306
  • /39

    $275,000

    • 3 Beds
    • 2 Baths
    • 1,708 Sq Ft

    141 Polsin Dr, Schenectady, NY 12303

    Welcome to 141 Polsin Drive, a charming Cape Cod-style home offering just over 1,700 square feet of living space, three bedrooms, and two full bathrooms. With a comfortable layout and classic character, this home presents an excellent opportunity for those looking to make a property their own. The first-floor carpeting predominantly covers hardwood floors beneath, presenting an exciting

    Christopher Culihan Coldwell Banker Prime Properties

    141 Polsin Dr, Schenectady, NY 12303
  • /25

    $289,000

    $10K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,170 Sq Ft

    1956 Clement Rd, Schenectady, NY 12303

    **OPEN HOUSE SUNDAY 6/14 12PM-2PM**Newly remodeled 3-bedroom, 1.5 bath home located in the desirable Mohonasen School District. This move-in-ready property features modern updates throughout, offering a fresh and inviting living space. Enjoy outdoor living with a beautiful in-ground pool, detached garage, and a fully fenced yard enclosed by a classic white fence--perfect for pets, play,

    Taylor Murphy Scott Ronda Realty LLC

    1956 Clement Rd, Schenectady, NY 12303
  • /28

    $319,500

    $3K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,724 Sq Ft

    94 Annabelle Place, Schenectady, NY 12306

    Beautifully maintained one owner home in desirable Putnam Woods. This home truly shows a true pride of ownership. All you need to do is move in and enjoy. The inviting rear deck overlooks a view of a wooded area. The furnace was new in 12/25, hot water heater new 11/24 and there are all new appliances in the kitchen 10/24. Enjoy the open feel of the living room with the cathedral ceiling and the

    Carla Carter Howard Hanna Capital Inc

    94 Annabelle Place, Schenectady, NY 12306
  • /21

    $370,000

    • 2 Beds
    • 2 Baths
    • 1,463 Sq Ft

    119 Carriage Loop, Rotterdam, NY 12306

    Welcome home. . The contemporary eat-in kitchen offers stone countertops, energy star SS appliances and a breakfast bar. Relax in the cozy LR complete with charming gas fireplace. Enjoy the convenience of turn-key living and unwind on your private & covered, patio. All first-floor units are ADA compliant. But that's not all! The Crossings at Helederberg Meadows offers a beautiful community room

    Alisha Houle Vita Nova Group

    119 Carriage Loop, Rotterdam, NY 12306
  • /9

    $199,000

    Pre-Foreclosure
    • 4 Beds
    • 1 Bath
    • 1,456 Sq Ft

    3247 Taylor St, Schenectady, NY 12306

    Opportunity in Rotterdam! This 4-bedroom Cape Cod offers approximately 1,456 sq. ft. of living space, a spacious corner lot, and a detached 2-car garage. The home needs some updating and repairs but offers plenty of potential for the next owner to make it their own. Conveniently located in the Schalmont School District. Property is being sold via assignment of contract and in as-is condition.

    Thomas Chenaille Anchor Realty Services LLC

    3247 Taylor St, Schenectady, NY 12306
  • /26

    $269,900

    $10K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,275 Sq Ft

    1152 Outer Dr, Schenectady, NY 12303

    OPEN HOUSE SATURDAY 9/12/26 FROM 11 TO 1 PM. Don't wait on this vinyl sided updated home. Replacement windows through-out. Updated kitchen with stainless appliances and solid surface counter tops. Enjoy the mini splits in the summertime & the gas fireplace in the cooler months. An added benefit is the first floor large laundry room with an abundance of cabinets. Attached to the back of the home

    Carla Carter Howard Hanna Capital Inc

    1152 Outer Dr, Schenectady, NY 12303
  • /36

    $320,000

    $15K PRICE DROP
    • 4 Beds
    • 1 Bath
    • 1,209 Sq Ft

    2644 Van Dyke Ave, Schenectady, NY 12306

    Welcome to 2644 Van Dyke Ave! This 4-bedroom, 1-bath single-family home offers a functional layout with comfortable living space and plenty of natural light throughout. Situated on a corner lot, the property features a generous amount of outdoor space perfect for entertaining, gardening, or just enjoying the outdoors. Conveniently located near shopping, restaurants, schools, and major highways,

    Barry Griggs Berkshire Hathaway Home Services Blake

    2644 Van Dyke Ave, Schenectady, NY 12306
  • /30

    $239,999

    $19K PRICE DROP
    • 4 Beds
    • 1 Bath
    • 1,125 Sq Ft

    1083 Inner Dr, Schenectady, NY 12303

    A place to call HOME. Updated Rotterdam Cape Cod: newer windows, roof, siding, and more. Updated interior. New low-maintenance floors. All new appliances. Two bedrooms on the first floor and 2 bedrooms upstairs. Laundry is on the second floor. Popular location in Moho Schools. Tree-lined, private, fenced-in lot. Oversized detached garage. Perfect starter or retirement home.

    Timothy Mulchy KW Platform

    1083 Inner Dr, Schenectady, NY 12303
  • /26

    $263,000

    • 4 Beds
    • 1 Bath
    • 1,112 Sq Ft

    319 Princetown Rd, Schenectady, NY 12306

    Come see this charming four-bedroom Cape in Rotterdam! Conveniently located, close to many amenities! Fenced in back yard, big enough for gardening, games, pets or entertaining! Hardwood floors, eat in kitchen, large living room. Awning for back deck, wood stove for heat in the garage. Bar, laundry and workshop in basement. Seller has maintained and updated. It is ready for your personal touch

    Nancy Stagnitti Roohan Realty

    319 Princetown Rd, Schenectady, NY 12306
  • /117

    $399,000

    Open Sat 11AM - 1PM
    • 5 Beds
    • 3.5 Baths
    • 3,072 Sq Ft

    303 Terrace Rd, Schenectady, NY 12306

    A TRUE MID-CENTURY MODERN GEM in Rotterdam's distinctive West Hill community! Designed by architect Victor Civkin, this remarkable 5-bedroom, 3.5-bath home offers 3,041 sq ft of living space, authentic architectural character & an exceptionally private wooded setting. Situated on a .44-acre homesite PLUS an adjoining .20-acre parcel, the property offers approximately .64 acres combined, w/ West

    Victoria McLaughlin Howard Hanna Capital Inc

    303 Terrace Rd, Schenectady, NY 12306
  • /24

    $149,999

    Pre-Foreclosure
    • 3 Beds
    • 1 Bath
    • 1,592 Sq Ft

    971 River Rd, Schenectady, NY 12306

    Opportunity awaits with this 3-bedroom, 1-bath home located in the desirable Schalmont School District. Offering over 1,500 square feet of living space, this property is the perfect opportunity for investors, flippers, or buyers looking to build instant equity with the right updates. Bring your vision and transform this home into something special.Property is being sold AS-IS. Assignment of

    Angela Gonyo Wolf River Real Estate LLC

    971 River Rd, Schenectady, NY 12306
  • /5

    $250,000

    • Land
    • 10.37 Acres
    • $24,108 per Acre

    L20.7 Kelley South Rd, Princetown, NY 12306

    Build your dream home on this pristine 10.37± acre private parcel featuring 217 feet of road frontage, located in the highly desirable Schalmont School District. Enjoy the perfect blend of privacy and convenience with easy access to major highways, shopping, dining, and entertainment. This beautiful property offers ample space for a custom home, outdoor recreation, or future expansion. With town

    William Coons Howard Hanna Capital Inc

    L20.7 Kelley South Rd, Princetown, NY 12306
  • /40

    $245,000

    • 2 Beds
    • 2 Baths
    • 1,265 Sq Ft

    43 Morning Glory Way, Schenectady, NY 12306

    Charm meets convenience in this sun-drenched and highly sought-after first-floor, 2-bedroom, 2-bath, end-unit condo. Open concept floor plan. Large primary bedroom with walk-in closet and shower. Large garage with plenty of storage space. Convenient location with a mile of walking paths, pond, and picnic tables. as well as plenty of community activities. shopping and dining. New furnace in 2024.

    Sandra Serafini Miranda Real Estate Group Inc

    43 Morning Glory Way, Schenectady, NY 12306
  • /35

    $299,900

    $20K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,260 Sq Ft

    3285 Franklin St, Schenectady, NY 12306

    Welcome to 3285 Franklin Street, a classic brick Cape located in the highly desirable Schalmont School District. This 3 bedroom home offers a comfortable and inviting layout with great natural light, central air, first floor laundry and plenty of character throughout. The basement includes finished living space that can be used as a family room, home office, gym or recreation area, along with a

    Patrick Dunn KW Platform

    3285 Franklin St, Schenectady, NY 12306
  • /21

    $370,000

    • 2 Beds
    • 2 Baths
    • 1,463 Sq Ft

    121 Carriage Loop, Rotterdam, NY 12306

    Welcome home. . The contemporary eat-in kitchen offers stone countertops, energy star SS appliances and a breakfast bar. Relax in the cozy LR complete with charming gas fireplace. Enjoy the convenience of turn-key living and unwind on your private & covered, patio. All first-floor units are ADA compliant. But that's not all! The Crossings at Helederberg Meadows offers a beautiful community room

    Gianna Cosenza Vita Nova Group

    121 Carriage Loop, Rotterdam, NY 12306
  • /27

    $285,000

    $10K PRICE DROP
    • 4 Beds
    • 1.5 Baths
    • 1,416 Sq Ft

    1311 Curry Rd, Schenectady, NY 12306

    Updated and move-in ready Cape Cod located in the Mohonasen School District! This 4 bedroom, 1.5 bathroom home offers a bright and refreshed interior with modern finishes throughout. The updated kitchen features ample cabinetry, modern appliances, and opens to a dining area perfect for everyday living and entertaining. Spacious living areas and generously sized bedrooms provide comfort and

    Moonrani Gumani Miranda Real Estate Group Inc

    1311 Curry Rd, Schenectady, NY 12306
  • /40

    $252,900

    $2K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,295 Sq Ft

    60 Woodlawn St, Schenectady, NY 12306

    Here is a turn key single family in the Bellevue , Rotterdam area . Easy access to schools, stores and more.Take advantage of this opportunity where you can own your own home at such a prime location.

    Dyaram Robert The Thompson Real Estate Team

    60 Woodlawn St, Schenectady, NY 12306
  • /23

    $274,900

    Open Sat 12PM - 1:30PM
    • 3 Beds
    • 2 Baths
    • 1,400 Sq Ft

    1237 Palma Ave, Schenectady, NY 12306

    1,400 sq ft Cape Cod, 3 bed/2 bath, with new flooring throughout the first floor and a newer roof already done for you. Upstairs offers a full bath and a bonus area with real primary suite potential -- add electric baseboard heat and you've got a private upstairs retreat. You'll have peace of mind with updated double-hung vinyl windows, one-car attached garage, public utilities, and a spacious,

    Jason Young Real Broker NY LLC

    1237 Palma Ave, Schenectady, NY 12306
  • /28

    $329,900

    • 6 Beds
    • 3.5 Baths
    • 3,024 Sq Ft

    2003 Hamburg St, Schenectady, NY 12304

    Excellent investment opportunity in the Mohonasen School District! This triplex offers three income-producing units plus a separate additional building, a and major recent improvements. The spacious first-floor apartment features 4 bedrooms and 1.5 baths and currently rents for $1,800/month. The second floor consists of two 1-bedroom, 1-bath apartments currently renting for $750 and $850/month,

    Joshua Wolin Coldwell Banker Prime Properties

    2003 Hamburg St, Schenectady, NY 12304
  • /16

    $219,900

    $30K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,500 Sq Ft

    2953 Clyde Ave, Schenectady, NY 12306

    This lovely 2 bedroom, 1 bathroom home is situated on a spacious corner lot in Rotterdam. A bedroom upstairs has a fireplace, as well as the living room, which is highlighted by a beautiful brick, wood burning fireplace, creating a warm and inviting atmosphere. The formal dining room seamlessly flows into an eat-in kitchen, setting the stage for delightful dinners. The home also includes a

    Tom Marks Coldwell Banker Prime Properties

    2953 Clyde Ave, Schenectady, NY 12306
  • /58

    $240,000

    $55K PRICE DROP
    • 6 Beds
    • 2 Baths
    • 1,932 Sq Ft

    2021 Cedarlawn Ave, Schenectady, NY 12306

    Don't miss this rare opportunity to own a spacious 6 bedroom, 2 full bath home in Rotterdam with a bonus office/den space located in the Mohonasen School District. Featuring public water and sewer, stainless steel kitchen appliances, and a beautiful stained-glass window that adds character and charm to the living room, this home offers generous living space and endless possibilities. Filled with

    Lisa Livingston Miranda Real Estate Group Inc

    2021 Cedarlawn Ave, Schenectady, NY 12306
  • /21

    $370,000

    • 2 Beds
    • 2 Baths
    • 1,463 Sq Ft

    143 Carriage Blvd, Rotterdam, NY 12306

    Welcome home. . The contemporary eat-in kitchen offers stone countertops, energy star SS appliances and a breakfast bar. Relax in the cozy LR complete with charming gas fireplace. Enjoy the convenience of turn-key living and unwind on your private & covered, patio. All first-floor units are ADA compliant. But that's not all! The Crossings at Helederberg Meadows offers a beautiful community room

    Alisha Houle Vita Nova Group

    143 Carriage Blvd, Rotterdam, NY 12306
  • /38

    $250,000

    • 3 Beds
    • 1 Bath
    • 1,428 Sq Ft

    219 Stoodley Place, Schenectady, NY 12303

    Welcome to 219 Stoodley Place, a classic 3 bedroom, 1 bath bungalow in a convenient Rotterdam location just off Hamburg Street. Owned by the same family since 1940, this well maintained home offers timeless character, hardwood floors throughout, and a warm, inviting feel. Situated on a desirable double lot with additional Howell Street frontage, the property offers extra outdoor space and future

    Patrick Dunn KW Platform

    219 Stoodley Place, Schenectady, NY 12303
  • /21

    $215,000

    $10K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 880 Sq Ft

    352 Melrose St, Schenectady, NY 12306

    Welcome to 352 Melrose St! This charming bungalow offers comfortable single-level living in a quiet, well-maintained Rotterdam neighborhood. Featuring 2 bedrooms and 1 full bathroom, the home has been refreshed with newly installed celling tiles vinyl flooring and carpeting. A welcoming covered front porch adds to the home's classic character, while the large yard provides plenty of space for

    Domenico Marotta Venture Fox Realty Group LLC

    352 Melrose St, Schenectady, NY 12306
  • /36

    $339,999

    • 3 Beds
    • 1.5 Baths
    • 1,480 Sq Ft

    128 Putnam Rd, Schenectady, NY 12306

    Derek Eisenberg Continental Real Estate Group, Inc.

    128 Putnam Rd, Schenectady, NY 12306
  • /50

    $375,000

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,422 Sq Ft

    1032 St Jude Dr, Schenectady, NY 12303

    Welcome to 1032 St Jude Drive, a beautifully remodeled tri-level split nestled on a quiet, private lot in the desirable Mohonasen School District. This 3-bedroom, 2-full-bath home has been thoughtfully updated from top to bottom, blending modern finishes with timeless charm. Step inside to gleaming hardwood floors, elegant crown molding, and sun-filled living spaces, including a spacious living

    Christine Serafini Miranda Real Estate Group Inc

    1032 St Jude Dr, Schenectady, NY 12303
  • /18

    $279,900

    $5K PRICE DROP
    • 4 Beds
    • 1 Bath
    • 1,080 Sq Ft

    2133 Robinwood Ave, Schenectady, NY 12306

    4 full bedrooms, an office, family room, living room & more! A lot for your money here. Newer furnace w/AC and HW tank 2023. Above ground pool, shed, patio and fenced yard. 1 car garage w/walk-up overhead storage. All brick cape w/ C-breakers, central air, and replacement windows. Kitchen w/ granite countertops, stove and refrigerator included. Hardwood floors on 1st floor finished basement area,

    George Tomasselli Howard Hanna Capital Inc

    2133 Robinwood Ave, Schenectady, NY 12306
  • /18

    $119,900

    • 2 Beds
    • 1 Bath
    • 692 Sq Ft

    108 Gullott Dr, Schenectady, NY 12306

    Come make this home your own!

    John DiGesualdo Howard Hanna Capital Inc

    108 Gullott Dr, Schenectady, NY 12306
  • /44

    $259,900

    • 2 Beds
    • 1 Bath
    • 1,008 Sq Ft

    2720 Van Dyke Ave, Schenectady, NY 12306

    Welcome to 2720 Van Dyke! This well-maintained 2-bedroom, 1-bathroom ranch offers surprisingly spacious living with a thoughtful layout and plenty of room to spread out. Beautiful hardwood floors and an updated kitchen add style and character, while the single-level floor plan provides comfortable, convenient living.Enjoy your morning coffee or unwind in the bright and inviting

    Justin MacDonald Howard Hanna Capital Inc

    2720 Van Dyke Ave, Schenectady, NY 12306
  • /34

    $388,000

    New Construction $11K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,256 Sq Ft

    1793 Old Mariaville Rd, Schenectady, NY 12306

    CALLING ALL BUILDERS & DEVELOPERS! This is an Opportunity to Finish a value added property. 4 Bedrooms 3 Full Baths this Home sits on 2.81 Acres with a inground pool located in Rotterdam!

    Subhash Sukhram Buy N Sell Realty Inc

    1793 Old Mariaville Rd, Schenectady, NY 12306

Showing Results 1 - 40, Page 1 of 2

Home Price Trends

Median Sale Price
$298,750
Median Single Family Sale Price
$313,750
Median 2 Bedroom Sale Price
$205,000
Median 1 Bedroom Sale Price
$275,000
Average Price Per Sq Ft
$217
Number of Homes for Sale
62
Last 12 months Home Sales
4
Months of Supply
3.00
Median List Price
$325,000
Median Change From 1st List Price
4%
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