Best Places12513, NY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 12513, 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.
12513 ranks 9,359th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on good schools by a wide margin, and an overheated housing market is the weak spot.
The best neighborhoods in 12513
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.
12513's strengths and weaknesses
Where 12513 ranks high
- School gradeA, better than 93% of zip codes
- Crime safetyBetter than 91% of zip codes
- Voter turnoutBetter than 90% of zip codes
- Healthcare accessBetter than 87% of zip codes
- Heat safetyBetter than 87% of zip codes
Where 12513 ranks low
- Housing crash safetyBetter than only 1% of zip codes
- WalkabilityBetter than only 12% of zip codes
- Cheap car insuranceBetter than only 12% of zip codes
- Cheap childcare$1,317 a month, better than only 14% of zip codes
- State infrastructureBetter than only 18% of zip codes
What it costs to buy a home in 12513
A household needs to earn about $83,000 a year to comfortably buy the median 12513 home, at 20% down and today's 30-year rate. That is below the area's own median income of $95,516, 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 12513's effective rate of 0.92%, 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 9 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 12513
12513 runs older than the country, 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 12513.
Who works in 12513, and how
Work in 12513 centers on health care & social and public administration. Unemployment is low, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 79%
- Work from home 14%
- Transit, walk, or bike 6%
Life in 12513
The map and measures below break down dining, culture, and green space by neighborhood across 12513.
What the weather is like in 12513, month by month
12513 sees roughly 75 pleasant days a year. July highs average about 83 degrees. January highs sit near 34, with lows near 16. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 34° | 25° | 16° |
| April | 58° | 45° | 34° |
| July | 83° | 71° | 59° |
| October | 63° | 51° | 40° |
Flying in and out of 12513
The nearest airport, Albany International, is about 37 miles away and is a small airport. The nearest major hub is Bradley International, about 57 miles away.
The best schools in and around 12513
Schools across 12513 average an A, better than 93% of zip codes.
Top elementary schools
- Taconic Hills Elementary SchoolA · 72% proficient
- Montgomery C Smith Elementary SchoolB+ · 53% proficient
Top high schools
- Hudson High SchoolA+ · 85% proficient
- Taconic Hillsjunior/senior High SchoolA− · 65% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 12513 school and its grade on SchoolGrade.
12513 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 12513 against the other 33,109 zip codes.
Common questions about living in 12513
Is 12513 a good place to live?
Using BestNeighborhood's default rankings, 12513 ranks 9,359th of 33,110 zip codes. It scores highest on good schools, low crime, and civic engagement, and lowest on an overheated housing market and walkability. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 12513 expensive to live in?
The median home is worth $313,471. The overall cost of living runs about 2% above the national average. Set against a $95,516 median income, cost of living beats 70% of zip codes.
Is 12513 safe?
Yes, 12513 is safer than 91% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $185 per resident a year.
Compare 12513 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 12513. Scores are absolute rather than ranked, which means a 60 in 12513 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.
12513 detail on BestNeighborhood maps:
- Walk Grade for 12513: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 12513: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 12513: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 12513: carrier by carrier coverage behind the cell score.
12513 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.