ZIP Code 12304

In ZIP code 12304, near Albany, households earn a median of $69,235, or $36,797 per person. A median home value of $179,200, taxed at the county's 2.36 percent effective rate, works out to roughly $4,230 in annual property taxes. Add the 8.00 percent combined sales tax on purchases, and a household's budget carries both a recurring property levy and a steady tax on spending. Income here sits above the per-capita figure, which hints at multiple earners or larger households sharing costs across the area.