ZIP Code 12222

In ZIP code 12222, part of the Albany area, per-capita income stands at $6,752, a figure that shapes nearly every spending decision a household here faces. Property taxes are levied at 1.76% of value at the county level, so even a lower-priced home carries a meaningful annual bill. Add the 8.00% combined sales tax on everyday purchases, and each dollar stretches less far. With earnings this limited, housing costs and taxes together consume a large share of what comes in, leaving little slack for savings or unexpected expenses.