We present here a simple retrieval of the areal-averaged spectral surface albedo using only ground-based measurements of atmospheric transmission under fully overcast conditions. Our retrieval is based on a one-line equation. The feasibility of our retrieval for routine determinations of albedo is demonstrated for different landscapes with various degrees of heterogeneity using three sets of measurements: (1) spectral atmospheric transmission from the Multi-Filter Rotating Shadowband Radiometer (MFRSR) at five wavelengths (415, 500, 615, 673, and 870 nm); (2) tower-based measurements of local surface albedo at the same wavelengths; and (3) areal-averaged surface albedo at four wavelengths (470, 560, 670 and 860 nm) from collocated and coincident Moderate Resolution Imaging Spectroradiometer (MODIS) observations. These integrated datasets cover both temporally long (2008-2013) and short (April-May 2010) periods at the Atmospheric Radiation Measurement (ARM) Southern Great Plains site and the National Oceanic and Atmospheric Administration (NOAA) Table Mountain site, respectively. The calculated root mean square error (RMSE), defined here as the root mean squared difference between the MODIS-derived surface albedo and the retrieved areal-averaged albedo, is quite small (RMSE <= 0.015) and comparable with that obtained previously by other investigators for the shortwave broadband albedo. Good agreement between tower-based measurements of daily-averaged surface albedo for completely overcast and non-overcast conditions is also demonstrated.