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ZIP Code 12186

Albany, New York

FIPS 12186

Juniper

ZIP Code 12186 is in the top 5% nationally for FEMA risk score. It also sits in the top 19% nationally for appreciation 1yr %. And it sits in the top 23% nationally for HPI growth 5yr %.

Median Home Value

$360,000

Higher than 77% of U.S. ZIP codes

HPI Growth 5yr %

53%

Higher than 77% of U.S. ZIP codes

FEMA Risk Score

7.9

Lower than 95% of U.S. ZIP codes

The basics

Total Population

6,512

Median Age

43.1

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$360,000

Higher than 77%

Median Property Tax

$6,300

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.2

Higher than 58%

Median Rent

$1,175

Higher than 71%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

53%

Higher than 77%

Appreciation 1yr %

4.2%

Higher than 81%

Pandemic Gain %

41%

Recession Drop %

-7.5%

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)

45

Annual Snowfall (in)

56.2

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

7.9

Lower than 95%

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 12186: frequently asked questions

What is the median home value in ZIP Code 12186?
The median home value in ZIP Code 12186 is $360,000, higher than 77% of U.S. ZIP codes.
How much is property tax in ZIP Code 12186?
The median annual property tax in ZIP Code 12186 is $6,300, an effective rate of 2% of home value.
Is ZIP Code 12186 expensive to live in?
Homes in ZIP Code 12186 cost about 3.2× the median household income, higher than 58% of U.S. ZIP codes.
What is the average rent in ZIP Code 12186?
The median gross rent in ZIP Code 12186 is $1,175 a month, higher than 71% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 12186?
Home prices in ZIP Code 12186 have moved 53% over the past five years (4.2% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 12186?
ZIP Code 12186 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 56.2 inches of snow a year.
Is ZIP Code 12186 at risk of flooding or natural disasters?
ZIP Code 12186's FEMA National Risk Index score is 7.9 (lower than 95% 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 →