Albany is located in Albany county New york with a geographic area of 21.4 square miles. The total population in Albany is 96,860 with 46.6% male and 53.4% female. Children under age 5 represent 5.3% of the population, under age 18 equal 17.1% of the population and over age 65 is 13.2% of the population. The median household income is $48,512, per capita income is $29,664. There are a total of 41,614 housing units with 36.7% owner occupied. Education includes 18.8% of residents that are high school graduates and 44.4% with a bachelor's degree or higher. The average temperature in Albany in the summer is 70 degrees, and in the winter 27 degrees.