Best Places12047, NY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 12047, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
12047 ranks 7,009th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on low disaster risk by a wide margin, and property taxes are the weak spot.
The best neighborhoods in 12047
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
12047's strengths and weaknesses
Where 12047 ranks high
- Disaster safetyBetter than 93% of zip codes
- BikingBetter than 91% of zip codes
- WalkabilityBetter than 91% of zip codes
- TransitBetter than 90% of zip codes
- Air qualityBetter than 90% of zip codes
Where 12047 ranks low
- Low property taxBetter than only 7% of zip codes
- Cheap car insuranceBetter than only 13% of zip codes
- Cheap childcare$1,308 a month, better than only 15% of zip codes
- State infrastructureBetter than only 18% of zip codes
- Low income/sales/gas taxBetter than only 18% of zip codes
What it costs to buy a home in 12047
A household needs to earn about $77,000 a year to comfortably buy the median 12047 home, at 20% down and today's 30-year rate. That is below the area's own median income of $80,502, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 12047's effective rate of 1.76%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 7 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 12047
12047's age mix sits close to the national median, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 12047.
Who works in 12047, and how
Work in 12047 centers on retail trade and professional & technical. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 78%
- Work from home 14%
- Transit, walk, or bike 7%
Life in 12047
The map and measures below break down dining, culture, and green space by neighborhood across 12047.
What the weather is like in 12047, month by month
12047 sees roughly 67 pleasant days a year. July highs average about 87 degrees. January highs sit near 37, with lows near 18. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 37° | 27° | 18° |
| April | 62° | 49° | 37° |
| July | 87° | 74° | 63° |
| October | 66° | 54° | 43° |
Flying in and out of 12047
The nearest airport, Albany International, is about 5 miles away and is a small airport. The nearest major hub is Bradley International, about 78 miles away.
The best schools in and around 12047
Schools across 12047 average a B+, better than 83% of zip codes.
Top elementary schools
- Boght Hills SchoolA+ · 87% proficient
- Latham Ridge SchoolA+ · 80% proficient
- Okte Elementary SchoolA+ · 77% proficient
Top middle schools
- Cohoes Middle SchoolC− · 30% proficient
Top high schools
- Cohoes High SchoolA · 78% proficient
- Waterford-halfmoon Junior-senior High SchoolA · 73% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 12047 school and its grade on SchoolGrade.
12047 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 12047 against the other 33,109 zip codes.
Who 12047 suits
Retirees
Set weather, quiet, and health care weights on the map to test the fit.
Common questions about living in 12047
Is 12047 a good place to live?
Using BestNeighborhood's default rankings, 12047 ranks 7,009th of 33,110 zip codes. It scores highest on low disaster risk, biking, and walkability, and lowest on property taxes and car insurance costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 12047 expensive to live in?
The median home is worth $261,578. The overall cost of living runs about 2% below the national average. Set against a $80,502 median income, cost of living beats 50% of zip codes.
Is 12047 safe?
Yes, 12047 is safer than 74% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $268 per resident a year.
What is the weather like in 12047?
July highs average about 87 degrees, and January highs near 37 with lows near 18. That works out to about 67 pleasant days a year, more than 19% of zip codes.
Is 12047 good for families?
Schools beat 83% of zip codes, crime safety beats 74%, and childcare runs $1,308 a month.
Compare 12047 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 12047. Scores are absolute rather than ranked, which means a 60 in 12047 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
12047 detail on BestNeighborhood maps:
- Walk Grade for 12047: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 12047: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 12047: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 12047: carrier by carrier coverage behind the cell score.
12047 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.