ZIP Code 12046

In ZIP code 12046, near Albany, households earn a median of $80,707, while per-capita income reaches $71,351 — a combination that gives many families here real spending power. A median home value of $268,400 carries a county property tax rate of 1.76%, so owners should plan for a meaningful annual bill tied to that valuation. Add the 8.00% combined sales tax on purchases, and everyday costs run higher than in lower-tax areas. Even so, with earnings at this level, covering property taxes and sales tax while still funding savings, transportation, and daily needs is a workable balancing act for most households.