Albany NY vs Memphis TN — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Albany, NY
New York · Population: 100,081
- Median HH Income$59,485
- Median Home Price$324,670
- Unemployment8.3%
- Bachelor's+44.9%
Memphis, TN
Tennessee · Population: 629,063
- Median HH Income$51,211
- Median Home Price$147,306
- Unemployment8.3%
- Bachelor's+28.2%
Detailed Comparison
Demographics
Population
Albany
100,081
Memphis
629,063
Memphis +
Pop. Density / sq mi
Lower = more space
Albany
N/A
Memphis
N/A
Median Age
Albany
31.9
Albany +
Memphis
34.3
Foreign Born
Albany
15.0%
Albany +
Memphis
7.4%
White
Albany
53.0%
Albany +
Memphis
25.0%
Black
Albany
26.6%
Memphis
62.9%
Memphis +
Asian
Albany
7.9%
Albany +
Memphis
1.7%
Hispanic
Albany
10.7%
Albany +
Memphis
10.2%
Spanish at Home
Albany
N/A
Memphis
N/A
| Metric | Albany, NY | Memphis, TN | Better |
|---|---|---|---|
| Population | 100,081 | 629,063 | Memphis + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 31.9 | 34.3 | Albany + |
| Foreign Born | 15.0% | 7.4% | Albany + |
| White | 53.0% | 25.0% | Albany + |
| Black | 26.6% | 62.9% | Memphis + |
| Asian | 7.9% | 1.7% | Albany + |
| Hispanic | 10.7% | 10.2% | Albany + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Albany
$59,485
Albany +
Memphis
$51,211
Per Capita Income
Albany
$35,851
Albany +
Memphis
$32,314
Per Capita Personal Income (MSA)
BEA MSA-level
Albany
$77,425
Albany +
Memphis
$59,097
Unemployment Rate
Albany
8.3%
Memphis
8.3%
Memphis +
Poverty Rate
Albany
23.4%
Memphis
22.5%
Memphis +
Bachelor's Degree+
Albany
44.9%
Albany +
Memphis
28.2%
| Metric | Albany, NY | Memphis, TN | Better |
|---|---|---|---|
| Median HH Income | $59,485 | $51,211 | Albany + |
| Per Capita Income | $35,851 | $32,314 | Albany + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,425 | $59,097 | Albany + |
| Unemployment Rate | 8.3% | 8.3% | Memphis + |
| Poverty Rate | 23.4% | 22.5% | Memphis + |
| Bachelor's Degree+ | 44.9% | 28.2% | Albany + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Albany
$324,670
Memphis
$147,306
Memphis +
Homeownership Rate
Albany
37.9%
Memphis
46.0%
Memphis +
| Metric | Albany, NY | Memphis, TN | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $324,670 | $147,306 | Memphis + |
| Homeownership Rate | 37.9% | 46.0% | Memphis + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Albany
434
Albany +
Memphis
639
Property Crime / 100K
FBI CDE (state-level est.)
Albany
1736
Albany +
Memphis
2350
| Metric | Albany, NY | Memphis, TN | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 434 | 639 | Albany + |
| Property Crime / 100KFBI CDE (state-level est.) | 1736 | 2350 | Albany + |
Health
Obesity Rate
CDC PLACES
Albany
32.9%
Albany +
Memphis
42.1%
Diabetes Rate
CDC PLACES
Albany
9.9%
Albany +
Memphis
17.6%
Poor Mental Health
CDC PLACES — 14+ days/month
Albany
17.6%
Albany +
Memphis
20.7%
No Health Insurance
CDC PLACES
Albany
7.7%
Albany +
Memphis
14.9%
Binge Drinking
CDC PLACES
Albany
18.0%
Memphis
13.5%
Memphis +
Current Smokers
CDC PLACES
Albany
12.3%
Albany +
Memphis
19.9%
| Metric | Albany, NY | Memphis, TN | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 32.9% | 42.1% | Albany + |
| Diabetes RateCDC PLACES | 9.9% | 17.6% | Albany + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 17.6% | 20.7% | Albany + |
| No Health InsuranceCDC PLACES | 7.7% | 14.9% | Albany + |
| Binge DrinkingCDC PLACES | 18.0% | 13.5% | Memphis + |
| Current SmokersCDC PLACES | 12.3% | 19.9% | Albany + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Albany
48.3°F
Albany +
Memphis
60.9°F
Annual Precipitation
NOAA 1991–2020 normal
Albany
39.4 in
Albany +
Memphis
54.9 in
| Metric | Albany, NY | Memphis, TN | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 48.3°F | 60.9°F | Albany + |
| Annual PrecipitationNOAA 1991–2020 normal | 39.4 in | 54.9 in | Albany + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Albany
8.1 µg/m³
Albany +
Memphis
8.9 µg/m³
Good Air Days
AQI ≤ 50
Albany
75.0%
Memphis
75.0%
Tie
| Metric | Albany, NY | Memphis, TN | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.1 µg/m³ | 8.9 µg/m³ | Albany + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Albany
21.1 min
Albany +
Memphis
22.9 min
| Metric | Albany, NY | Memphis, TN | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 21.1 min | 22.9 min | Albany + |
Which City is Right for You?
Albany leads in median household income at $59,485, while memphis offers more affordable housing with a median home price of $147,306. On public safety, Albany is safer with a violent crime rate of 434 per 100,000 residents, compared to 639 in Memphis. Memphis has a lower unemployment rate at 8.3%, and Albany has cleaner air (PM2.5 avg 8.1 µg/m³). For overall health outcomes, Albany scores better with a lower obesity rate of 32.9%.
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