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ZIP Code 12046

Albany, New York

FIPS 12046

Juniper

ZIP Code 12046 is in the top 31% nationally for FEMA risk score, but in the bottom 39% nationally for price-to-income ratio. It also sits in the 65th percentile nationally for median home value.

Median Home Value

$268,400

Higher than 65% of U.S. ZIP codes

FEMA Risk Score

48.5

Lower than 69% of U.S. ZIP codes

The basics

Total Population

358

Median Age

61.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$268,400

Higher than 65%

Median Property Tax

$2,613

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.33

Higher than 61%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

77.6

Winter Avg Low (°F)

15.5

Avg Temperature (°F)

46.4

Hot Days/yr (>90°F)

3.8

Freezing Days/yr (<32°F)

155.5

Annual Precipitation (in)

42.5

Annual Snowfall (in)

45.7

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

48.5

Lower than 69%

EAL Flood/Coastal per $1K

0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 12046: frequently asked questions

What is the median home value in ZIP Code 12046?
The median home value in ZIP Code 12046 is $268,400, higher than 65% of U.S. ZIP codes.
How much is property tax in ZIP Code 12046?
The median annual property tax in ZIP Code 12046 is $2,613, an effective rate of 1% of home value.
Is ZIP Code 12046 expensive to live in?
Homes in ZIP Code 12046 cost about 3.33× the median household income, higher than 61% of U.S. ZIP codes.
What is the weather like in ZIP Code 12046?
ZIP Code 12046 averages 46.4°F year-round, summer highs near 77.6°F, winter lows around 15.5°F (NOAA 1991–2020 normals). It sees about 45.7 inches of snow a year.
Is ZIP Code 12046 at risk of flooding or natural disasters?
ZIP Code 12046's FEMA National Risk Index score is 48.5 (lower than 69% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →