Albany-Schenectady-Troy, NY

Reading the Albany Life Score

Albany's composite score of 34.1 out of 100 — earning a grade of F — places the metro at rank #374 of 387 in the national file, inside the top 3%. The composite is a weighted roll-up of seven dimensions: Cost of Living (20%), Wages (20%), Rent (15%), Safety (15%), Schools (10%), Childcare (10%) and Environment (10%), each normalized to a 0-100 percentile scale. The strongest inputs are Wages (90/100) and Safety (39/100), which pull the composite upward, while Environment (1/100) and Schools (1/100) drag it downward. Because the weights are fixed, a metro that scores high on the 20%-weighted cost and wage dimensions can absorb mediocre scores elsewhere and still land a high composite — and vice versa.

Under the cost layer, BEA Regional Price Parities read 99.6 for Albany — 0.4% below the U.S. average, with rent-specific RPP at 102.6. BLS wage records do not match this metro in the latest OES cycle. HUD's 2-bedroom Fair Market Rent for the metro comes in at $1,702/mo (studios $1,217/mo), the figure that governs housing-choice voucher payment standards and anchors the rent sub-score.

Safety is scored from FBI UCR at the state tier (NY), which reads 380 violent crimes per 100,000 residents and 1661 property crimes per 100,000 — state-level crime always overstates rural-county risk and understates urban-core risk inside a single metro, so the safety score should be read as a regional baseline, not a street-level reading. School quality rolls up from NCES at 11.7:1 statewide student-teacher ratio with 7.1% charter share — a structural signal, not a performance measure. Childcare uses DOL center-based infant cost of $13,869/yr, a line item that can shift a household's real cost-of-living picture more than headline RPP. Environment draws on EPA records including 122 Superfund sites tracked for NY. Compared against ranks #371 through #377 in the table below, Albany's position is driven by the dimension weights above — not by any single metric — which is why the radar and sub-scores are worth more attention than the composite.