Living in Colonie, New York: homes, schools and costs

The book's checklist

Lower cost of livingEveryday prices run 0.4% below the U.S. average in the Albany-Schenectady-Troy metro area.
More house for the moneyA typical home costs 2.7 years of the typical household's income here. Across the U.S. it's 4.1.
A safer neighborhoodThe FBI has no 2025 figures for Colonie itself. Many small towns are patrolled by the county sheriff, so call the sheriff's office and ask what calls they get most.
Schools in town4 public schools: 3 elementary and 1 high school.
A hospital close bySt. Peter's Hospital in Albany, about 4 miles away, has the nearest emergency room.
Within reach of a big cityHartford is about 88 miles away as the crow flies. The book suggests staying within about 60 miles if you'll miss big-city sports, concerts and theater.

A check means Colonie meets the rule of thumb from Frank and Dave's book. An empty box isn't a deal breaker: it's something to weigh for your family. A question mark means there isn't enough data.

What kind of town

A suburb, not a stand-alone small town

Colonie runs into the built-up area around Albany (Census Bureau, 2020 urban areas). We include suburbs under 20,000 people because some still feel like small towns, but daily life here is closer to the suburbs than to the towns Frank and Dave's book describes. Weigh it against towns farther out.

The book sorts small towns into six types. These labels come only from the numbers; take the quiz to see which type fits your family.

For a lifetime

Homes and money

Typical home value, as owners valued them in 2020-2024: $285,400U.S.: $332,700
Home prices since then: Up 24%Albany County, 2022 to 2025
Typical rent, with utilities: $1,570 a monthU.S.: $1,413
Typical household income: $103,983U.S.: $80,734
Homes owned by the people living in them: 80%U.S.: 65%
Typical property tax bill: $3,712 a yearNew York: $6,582
Homes built before 1940: 5%U.S.: 12%
Homes built since 2010: 3%U.S.: 11%
Vacation and seasonal homes: 0%U.S.: 3%
Everyday prices: 99.6U.S. average = 100 (the Albany-Schenectady-Troy metro area)

Home values and rents are what households told the Census Bureau across 2020 to 2024, so they trail today's market: county prices have moved up 24% since 2022. Everyday prices are the government's average for the Albany-Schenectady-Troy metro area, not Colonie alone. Check current listings before you budget.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates; Federal Housing Finance Agency, House Price Index for counties (all transactions); U.S. Bureau of Economic Analysis, Regional Price Parities, 2024.

The people

Population, 2025 estimate: 7,6792020: 7,761
Median age: 43.4 yearsU.S.: 38.9
Age 65 and older: 21%U.S.: 17%
Under 18: 20%U.S.: 22%
Adults with a bachelor's degree or more: 36%U.S.: 36%
Moved here from another county or state in the past year: 3%U.S.: 6%
College students: 8%share of all residents

Sources: U.S. Census Bureau, Population Estimates (Vintage 2025); U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Work

Biggest lines of work: Schools, health care and social services (29%); government (13%); finance, insurance and real estate (11%)
Unemployment rate: 1%U.S.: 5%
Average commute: 17 minutesU.S.: 26 minutes
Work from home: 16%U.S.: 15%
Below the poverty line: 7%U.S.: 12%

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Health care

Nearest emergency room: St. Peter's Hospital, Albany, NY, about 4 miles away. It's a general hospital. Medicare gives it 2 of 5 stars.

Look up doctors, clinics and the hospitals themselves on Medicare's Care Compare. Ask where the most serious cases are sent.

Sources: Centers for Medicare & Medicaid Services, Hospital General Information.

Schools

4 public schools in Colonie, run by South Colonie Central School District.

Colleges in or next to town: Excelsior University (10,000 to 19,999 students); University at Albany (10,000 to 19,999 students); Bryant & Stratton College-Albany (under 1,000 students).

See each school on the federal school search, then check test scores and graduation rates on New York's school report card.

Sources: National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal); National Center for Education Statistics, IPEDS institution directory, 2024.

Internet

Homes with cable, fiber or DSL internet: 87%U.S.: 76%
Homes with any internet subscription: 95%U.S.: 91%

Before you buy, look up the address on the FCC's National Broadband Map to see which providers serve it.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Weather

January average low: 16°F
July average high: 84°F
Days 90°F or hotter: 10 a year
Nights at or below freezing: 136 a year
Rain and melted snow: 40.7 inches a year
Snow: 59 inches a year
Elevation: 308 feet

Weather station: Albany Ap (2 miles away). Averages for 1991 to 2020.

Sources: NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020; U.S. Geological Survey, 3D Elevation Program.

Getting around

St. Peter's HospitalEmergency room4

Albany, NYCity of 102,0004

Hartford, CTMetro of 1.2 million88

Straight-line miles. The road is always longer, and as the book says, an interstate at 70 is a different trip from a farm road at 45. Check the real drive: St. Peter's Hospital, Albany, Hartford.

Albany County is in a metro area of 250,000 to 1 million people (USDA rural-urban code 2, on a scale where 1 is the biggest metro areas and 9 the most rural counties).

For a day

31 places on the National Register of Historic Places, including the Menand Park Historic District, the Watervliet Shaker Historic District and Watervliet Shaker Historic District (Boundary Increase).

National Park Service sites within about an hour:

Saratoga National Historical Park20 miles
Martin Van Buren National Historic Site25 miles
Appalachian National Scenic Trail33 miles

Campus life. Check Excelsior University's events calendar for games, concerts and plays open to the public.

Read about Colonie's history on Wikipedia.

Know Colonie?

Tell us what a visitor shouldn't miss, and what living there is really like. Write to Main Street at mainstreet@smalltownguide.com. The best notes from people who know the town will be added here.

Nearby

Straight-line miles.

Small towns

Roessleville, NY11,000 people, 2 miles
Westmere, NY8,300 people, 3 miles
Loudonville, NY10,500 people, 4 miles
Latham, NY13,800 people, 4 miles
Menands, NY4,600 people, 6 miles
Watervliet, NY10,200 people, 6 miles

Smaller places

Clifton Gardens, NY (unincorporated)2,420 people, 9 miles
Duane Lake, NY (unincorporated)236 people, 14 miles
Poestenkill, NY (unincorporated)744 people, 14 miles

Sources

Census survey figures are estimates with a margin of error; we leave out any figure whose margin is too wide to be useful. Data last gathered October 5, 2026. See something wrong? Write to mainstreet@smalltownguide.com.