www.nature.com/articles/s41467-022-31558-z

The albedo decease from urbanization in 2018 relative to 2001 has yielded a 100-year average annual global warming of 0.00014 [0.00008, 0.00021] °C. Without proper mitigation, future urbanization in 2050 relative to 2018 and that in 2100 relative to 2018 under the intermediate emission scenario (SSP2-4.5) would yield a 100-year average warming effect of 0.00107 [0.00057,0.00179] °C and 0.00152 [0.00078,0.00259] °C, respectively, through altering the Earth’s albedo.

The albedo does have an effect, but not much of one. If we were to supplement every household with the ~30% solar power this article suggests, it would be a massive improvement and far outweigh the costs of the albedo.