ZIP Code 12309

In ZIP code 12309, near Albany, homes carry a median value of $330,700, and the county's 2.36% effective property tax rate translates into a substantial annual bill on that amount. Households here earn a median of $125,274, while per-capita income sits at $57,884, so the tax load lands on incomes that are above average but not unlimited. Add an 8.00% combined sales tax on everyday purchases, and the overall cost of living reflects both strong earning power and real ongoing obligations. Whether buying makes sense hinges on how comfortably a given household can absorb that yearly property tax alongside its mortgage.