ZIP Code 12189

In ZIP 12189, near Albany, homes carry a median value of $220,600, and the county's 1.76% effective property tax rate translates to roughly $3,883 a year in taxes on a home at that price. With median household income at $65,276, that bill equals about 5.9% of annual earnings before any exemptions, a real line item rather than an afterthought. Per-capita income sits at $42,884, so single-earner and smaller households feel the squeeze more sharply. Add an 8.00% combined sales tax on everyday purchases, and the overall cost of living here demands careful budgeting.