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Albany, NY

Report status

US location · verified

Neighborhood intelligence

Your Albany relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Albany.

Median rent

$1,216/mo

ACS 2024 5-year

Median household income

$61,986

ACS 2024 5-year

Median home value

$234,700

ACS 2024 5-year

Safety score

37/100

FBI CDE

Weather

55°F (H 62° / L 49°)

Open-Meteo

Buying in Albany? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

37/100

FBI CDE

Worth extra due diligence — 110% above average FBI data, 2023–2024

Below Average

Noise Level

40 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 55°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 53 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Albany NY

Albany is one of the more affordable options in its region at $1,216/month typical rent. Safety scores 37/100.

Albany has about 100,492 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

About 99,700 residents share a capital-region market where Walk Score 68 and transit score 42 still point to a car for most daily trips. Homes sell in about 28 days on this report.

Is Albany NY Safe?

Albany NY scores 37/100 on safety (well below average). Crime is about 110% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 210 (100 = avg); violent crime index 252; property crime index 167. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Crime about double the national baseline is the relocation risk: index 210 with violent 252 and property 167 (100 = U.S. average). Citywide pressure this high means block research and after-dark visits are mandatory, not optional.

Schools in Albany NY

School quality varies by neighborhood in Albany. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Albany NY

Typical rent in Albany is about $1,216/month (moderate). At $1,216/month for a typical unit, you need about $43,776+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $234,700.

Median household income is $61,986, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($61,986) clears the $43,776 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Median home price at $213,400 is low for the Northeast, but median income ($54,736) sits under the $61,272 comfort line for $1,702 rent. Many renters will feel stretched even before utilities.

Weather and Climate in Albany NY

Average temperature is about 55°F (highs near 62°F, lows near 49°F).

Cooler months cut into patio season; plan indoor hobbies for part of the year. Heating will show up on winter bills more than AC does in summer. If you visit, go in January. That is when the cold is honest.

Highs near 76°F and lows near 59°F with a 67°F average keep outdoor seasons usable, but winter visits still matter before you commit to heating costs and snow logistics.

Who Should Move to Albany NY?

Albany NY is a state-capital job move with a hard safety tradeoff: crime index 210 (about double the national baseline of 100; violent 252, property 167) against $1,702/month rent. Median household income is $54,736, below the $61,272 comfort line for that rent, so many households already feel stretched before factoring crime. Median home price at $213,400 is the offset if you can buy carefully. Choose Albany when you already have a capital-region job or family tie and you will pick a ZIP after night visits. Skip it if low crime is your top filter or if you need rent to clear on a single $55k income without stretching.

Bottom Line

Moving to Albany requires serious research first. Safety scores 37/100 which is significantly below average. If you have a specific reason to be here that justifies the tradeoff, go in with eyes open on neighborhood selection.

Next steps

Tools for your move

Quotes and listings for Albany when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Albany.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,649

Mortgage + tax + insurance + HOA

Annual property tax

$3,403

Annual est. $5,580

Est. monthly utilities

$412

Climate-adjusted electric, gas & water

Median home price

$234,700

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$211k
2022
$217k
2023
$223k
2024
$229k
2025
$235k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$433/mo vs buying
$1,216ACS 2024 5-year
Rent
$1,649
Buy

Mortgage

$1,187

Property tax

$284

Insurance

$84

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$3,114/yr

2024

1.37%

$3,208/yr

2025

1.41%

$3,304/yr

2026

1.45%

$3,403/yr

Buying in Albany? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

43 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,006/yr

moderate exposure
Wind hazard index53 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 55°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,006.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Albany to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo