Median Income
$56,356
25% lower than US avg
Home Value
$103,600
63% lower than US avg
Violent Crime
394/100K
4% higher than US avg
Bachelor's+
12.2%
64% lower than US avg
Median Rent
$669
42% lower than US avg
Obesity Rate
35.8%
12% higher than US avg
Unemployment
1.8%
50% lower than US avg
Poverty Rate
2.7%
78% lower than US avg
How Albany Compares to the U.S. Average (100% = U.S. avg)
People
Population2,984
Median Age50.5 yrs
Density1,507/mi²
Male / Female45% / 55%
Largest GroupWhite 96%
Veterans11.9%
Economy
A
Median Income$56,356
Per Capita$27,723
Unemployment1.8%
Poverty2.7%
County GDP$5,403M
Commute30 min
Housing
A+
Home Value$103,600
Rent$669
Ownership81.9%
Zillow$189,908
Housing Units1,371
Rent Burden26.2%
Crime
F
Violent394/100K
Property4,121/100K
Health
Obesity35.8%
Uninsured7.4%
Smoking16.9%
Depression29.3%
Heart Disease5.6%
Climate
Avg Temp51°F (11°C)
AQI41 (Good)
Rain41.4 in/yr
Sunny Days275/yr
Elevation955 ft (291 m)
Education
D
Bachelor's+12.2%
High School+91.8%
Graduate+3.0%
School Score5.81
Community
2024 VoteR 57% / D 41%
Commute30 min
Broadband86.7%
EV Stations3
Libraries5
Is Albany a Good Place to Live?
Based on current data, Albany receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include below-average incomes. Albany offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Albany is $56,356, 25% below the national average of $75,149. The job market is very strong with unemployment at just 1.8%. Only 2.7% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 30 minutes.
Cost of Living & Housing
The median home value in Albany is $103,600, 63% below the national median / offering relatively affordable homeownership. Renters pay a median of $669 per month, below the national average / a plus for affordability. At just 1.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 394 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 4,121 per 100,000, 110% above the national average.
Education
12.2% of residents hold a bachelor's degree, below the national average of 33.7%. 91.8% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
Albany experiences four distinct seasons with an average temperature of 51°F. Winters average 26°F in January while summers reach 74°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 41.4 inches, including 20.9 inches of snow. Air quality is rated Good with a median AQI of 41.
Albany has a population of 2,984 with a density of 1,507 people per square mile, spread across 1.8 square miles. The median age is 50.5 years, 30% older than the national median of 38.9. The gender split is 55% female and 45% male. The city is predominantly White (96.4%). English is the primary language spoken at home by 98.8% of residents. 11.9% of the population are veterans, above the national rate of 6.0%. 27.5% of residents have a disability (above the 13.0% national average). 94.8% have health insurance coverage.
Population
50.5yrs
Median Age
30% above US avg
Language Spoken at Home
English Only
98.8%
26% above US avg
Spanish
1.2%
91% below US avg
The median household income in Albany is $56,356, which is 25% below the national average of $75,149. Per capita income is $27,723 (below the $39,052 national figure). The average weekly wage is $987, 31% lower than the U.S. average. The unemployment rate is 1.8% (below the 3.6% US average). 2.7% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 2,354 business establishments, including 220 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 30 minutes. 9.1% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $56,356 |
| 25% below US avg |
| Per Capita Income | $27,723 |
| Avg Weekly Wage | $987 |
| IRS Avg AGI | $58,728 |
| Gini Index | 0.448 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.8% |
| 50% below US avg |
| Poverty Rate | 2.7% |
| 78% below US avg |
| Establishments (County) | 2,354 |
| County GDP | $5,403M |
Business (County)
| Restaurants | 220 |
| Healthcare | 342 |
| Retail | 387 |
| Manufacturing | 106 |
Tax & Cost of Living
| Property Tax (IRS) | $3,457 |
| 1% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 3.34% |
Commute & Transportation
| Commute Time | 30.3 min |
| Drive Alone | 81.4% |
| Public Transit | 0.0% |
| Work from Home | 9.1% |
The median home value in Albany is $103,600, 63% below the national median of $281,900. Zillow estimates the typical home value at $189,908, higher than the Census estimate. Homes sell for 99.1% of their list price. Monthly rent averages $669 (42% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 81.9% of housing units are owner-occupied (above the 65.4% national rate). There are 1,371 total housing units in the city. The median year a home was built is 1964. The average annual property tax is $3,457. 26.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.8x, well within the affordable range.
Home Values
| Census Median | $103,600 |
| 63% below US avg |
| Zillow ZHVI | $189,908 |
| Median List Price | $177,450 |
Real Estate Market (Redfin)
| Median List Price | $177,450 |
| $/Sq Ft | $128 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 99.1% |
| Price Drops | 16.7% |
| Inventory | 6 |
Rental Costs
| Census Median Rent | $669 |
| 42% below US avg |
| Rent Burden | 26.2% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 81.9% |
| Owner-Occupied | 81.9% |
| Renter-Occupied | 18.1% |
| Housing Units | 1,371 |
| Median Year Built | 1964 |
Property Tax
| Avg Tax (IRS) | $3,457 |
| 1% below US avg |
| Effective Rate | 3.34% |
In Albany, 35.8% of adults are obese, above the national rate of 32.1%. 10.7% have diabetes. Heart disease affects 5.6% of residents. 32.5% have high blood pressure. 16.9% are current smokers (above the 14.0% national rate). 18.4% report binge drinking. 22.5% are physically inactive. 29.3% report depression (above the 20.0% national average). 19.8% experience frequent mental distress. 7.4% of residents lack health insurance. The primary care physician ratio is 1:874. The dentist ratio is 1:1,535. 76.2% of residents have access to exercise opportunities. The food environment index is 6.5 out of 10.
Health Metrics: Albany vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.8% |
| 12% above US avg |
| Diabetes | 10.7% |
| Heart Disease | 5.6% |
| High Blood Pressure | 32.5% |
| Asthma | 11.6% |
| COPD | 7.2% |
| Cancer | 7.5% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 16.9% |
| 21% above US avg |
| Binge Drinking | 18.4% |
| Physical Inactivity | 22.5% |
| Depression | 29.3% |
| Mental Distress | 19.8% |
| Physical Distress | 13.3% |
| Short Sleep | 37.2% |
Healthcare Access
| Insurance Rate | 94.8% |
| Uninsured | 7.4% |
| 14% below US avg |
| Primary Care | 1:874 |
| Dentists | 1:1,535 |
| Mental Health | 1:296 |
| Checkup Rate | 77.6% |
| Dental Visits | 61.9% |
| Premature Death | 12,615/100K |
Food & Exercise
| Food Environment | 6.5/10 |
| Exercise Access | 76.2% |
| Healthcare Facilities | 342 |
Albany has a violent crime rate of 394 per 100,000 residents, 4% above the national average of 380. Property crime stands at 4,121 per 100,000, 110% above the U.S. average. The county recorded 15 fatal traffic crashes. Overall, Albany receives a safety grade of F.
Crime Rates: Albany vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 393.8/100K |
| 4% above US avg |
| |
Property Crime
| Total Property | 4,121.0/100K |
| 110% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 15 |
| Traffic Accidents | 23 |
| Avg Accident Severity | 2.7 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Albany experiences four distinct seasons with an average annual temperature of 51°F (11°C). Winters average 26°F in January while summers reach 74°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 41.4 inches. The area receives 20.9 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 955 feet.
Temperature
26°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 51.2°F |
| 5% below US avg |
| January Average | 26°F (-3°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 955 ft (291 m) |
| Area | 1.8 sq mi (4.6 km²) |
| Population Density | 1,507/sq mi |
| Coordinates | 40.3060°N, 85.2322°W |
| Timezone | America/Indiana/Indianapolis |
| County | Delaware County County |
| Nearest Airport | Delaware County Regional (MIE)
10 miles away |
Precipitation & Snow
Annual Rainfall
41.4"
9% above US avg
Wettest Month (Jun)
3.94"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0469 ppm |
| PM2.5 (Fine Particles) | 8.3 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 76.3 / 100 |
| Social Vulnerability | 49.3 / 100 |
| Community Resilience | 82.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
9 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.6 on Jun 12, 2015.
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
86 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
143 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
143 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
143 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
37 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
71 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
109 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
82 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
64 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
589 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 50 fatalities, 1,717 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 27, 2019 |
EF4 |
85 km |
0 |
| Nov 10, 2002 |
EF4 |
66 km |
4 |
| Jun 11, 1998 |
EF4 |
85 km |
0 |
| Feb 18, 1992 |
EF4 |
73 km |
0 |
| Jul 9, 1980 |
EF4 |
79 km |
2 |
| Apr 3, 1974 |
EF4 |
29 km |
1 |
| Apr 3, 1974 |
EF4 |
71 km |
0 |
| May 14, 1972 |
EF4 |
94 km |
0 |
| Apr 11, 1965 |
EF4 |
72 km |
3 |
| Apr 11, 1965 |
EF4 |
30 km |
4 |
| Apr 11, 1965 |
EF4 |
98 km |
25 |
| Apr 25, 1961 |
EF4 |
94 km |
0 |
| Mar 6, 1956 |
EF4 |
41 km |
1 |
| Mar 14, 2024 |
EF3 |
93 km |
3 |
| Mar 14, 2024 |
EF3 |
17 km |
1 |
| Mar 31, 2023 |
EF3 |
36 km |
0 |
| May 27, 2019 |
EF3 |
53 km |
1 |
| May 27, 2019 |
EF3 |
75 km |
0 |
| May 27, 2019 |
EF3 |
33 km |
0 |
| Aug 24, 2016 |
EF3 |
83 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-3°C) |
2.0 in |
Coldest, Driest |
| February |
27°F (-3°C) |
2.0 in |
|
| March |
38°F (3°C) |
3.2 in |
|
| April |
49°F (10°C) |
3.7 in |
|
| May |
60°F (16°C) |
3.9 in |
|
| June |
69°F (21°C) |
3.9 in |
Wettest |
| July |
74°F (23°C) |
3.9 in |
Warmest |
| August |
71°F (22°C) |
3.5 in |
|
| September |
65°F (18°C) |
3.0 in |
|
| October |
53°F (12°C) |
2.5 in |
|
| November |
41°F (5°C) |
3.0 in |
|
| December |
30°F (-1°C) |
2.9 in |
|
Albany has a seasonal temperature swing of 47°F / from 26°F in January to 74°F in July. Total annual precipitation is 37.5 inches, with June being the wettest month (3.9") and January the driest (2.0").
Average costs for common services in Albany. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140-$373) |
| Specialist Visit |
$327 ($187-$513) |
| Urgent Care Visit |
$187 ($93-$327) |
| Emergency Room Visit |
$2,053 ($746-$4,665) |
| Dental Cleaning |
$121 ($70-$187) |
| Dental Filling |
$233 ($140-$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23-$70) |
| Oil Change (Synthetic) |
$70 ($47-$112) |
| Brake Pad Replacement |
$280 ($140-$467) |
| Tire Rotation |
$37 ($19-$70) |
| New Tires (Set of 4) |
$560 ($373-$933) |
| Battery Replacement |
$187 ($93-$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56-$140) |
| Electrician (Per Hour) |
$84 ($47-$131) |
| HVAC Repair |
$373 ($140-$746) |
| HVAC System Install |
$6,531 ($3,732-$11,196) |
| Roof Repair |
$933 ($373-$1,866) |
| Roof Replacement |
$8,397 ($5,132-$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467-$3,266) |
| Divorce (Contested) |
$13,995 ($4,665-$27,990) |
| DUI Defense |
$4,665 ($1,866-$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746-$2,799) |
| Will Preparation |
$467 ($187-$933) |
| Trust Preparation |
$2,333 ($933-$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$42) |
| Women's Haircut |
$51 ($28-$93) |
| Hair Coloring (Full) |
$140 ($70-$233) |
| Manicure |
$23 ($14-$42) |
| Pedicure |
$37 ($23-$61) |
| Massage (1 Hour) |
$75 ($47-$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80-$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33-$4.67) |
| Loaf of Bread |
$3.55 ($2.33-$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80-$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73-$7.00) |
| Rice (per lb) |
$0.93 ($0.56-$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75-$233) |
| Natural Gas (Monthly) |
$65 ($28-$140) |
| Water/Sewer (Monthly) |
$65 ($37-$112) |
| Internet (Monthly) |
$65 ($37-$93) |
| Cell Phone Plan (Monthly) |
$61 ($28-$93) |
| Cable TV (Monthly) |
$79 ($47-$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70-$467) |
| Car Insurance (Annual) |
$1,866 ($1,120-$3,266) |
| Bus Pass (Monthly) |
$65 ($28-$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46-$23) |
| Car Registration (Annual) |
$93 ($28-$233) |
| Driver's License Renewal |
$28 ($14-$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560-$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467-$1,866) |
| After-School Care (Monthly) |
$373 ($187-$653) |
| Tutoring (Per Hour) |
$47 ($23-$93) |
| SAT/ACT Prep Course |
$933 ($373-$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665-$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28-$93) |
| Dog Vaccination (Annual) |
$93 ($47-$187) |
| Dog Grooming |
$56 ($28-$93) |
| Pet Boarding (Per Night) |
$37 ($19-$70) |
| Dog Spay/Neuter |
$280 ($140-$467) |
| Cat Spay/Neuter |
$187 ($93-$373) |
View all 9 services
Frequently Asked Questions About Albany
What is the population of Albany?
Albany has a population of 2,984 residents and is located in Indiana. The population density is 1,507 people per square mile, spread across 1.8 square miles. The median age of residents is 50.5 years, which is older than the national median of 38.9 years. The population is 55% female and 45% male.
Is Albany expensive to live in?
Albany is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $56,356, 25% below the national average of $75,149. The median home value is $103,600 (63% below the U.S. median). Renters pay a median of $669 per month, below the national average of $1,163. The home price-to-income ratio is 1.8x, indicating housing is reasonably affordable relative to local income levels.
Is Albany safe?
The violent crime rate in Albany is 394 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 4,121 per 100,000 (above the national average). Overall, Albany receives a safety grade of F based on combined crime data.
What is the weather like in Albany?
Albany has a four-season climate with an average annual temperature of 51°F (11°C). Winter temperatures average 26°F in January, while summers reach an average of 74°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 41.4 inches, with 20.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Albany?
The job market in Albany is very strong, with unemployment at just 1.8% / well below the national rate of 3.6%. The average weekly wage is $987. There are 2,354 business establishments in the area, including 220 restaurants and food service locations. The average commute time is 30 minutes, and 9.1% of workers work from home.
How much does housing cost in Albany?
The median home value in Albany is $103,600. Zillow estimates the typical home value at $189,908. For renters, the median monthly rent is $669. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 81.9%. The average annual property tax is $3,457.
How are the schools in Albany?
Schools in Albany score 5.8 out of 10 on standardized testing, near the national average. 12.2% of adults in Albany hold a bachelor's degree or higher, below the national average of 33.7%. 91.8% have completed high school. 3.0% hold a graduate or professional degree.
How healthy is Albany?
The obesity rate in Albany is 35.8% (above the national rate of 32.1%). 16.9% of adults are smokers. 22.5% are physically inactive. 29.3% of residents report depression. 7.4% lack health insurance. 76.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:874.
What is transportation like in Albany?
The average commute in Albany is 30 minutes. 81.4% of workers drive alone to work, and 9.1% work from home.
What are the demographics of Albany?
The racial and ethnic makeup of Albany is 96.4% White. 98.8% of residents speak only English at home. 11.9% of the population are military veterans. 27.5% of residents have a disability. 94.8% have health insurance coverage.
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