Westerlo, New York.
. Albany-Schenectady-Troy, NY metro.
to buy the typical home at today's mortgage rate — +$1,478 (+116%) since Jan 2020.
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- New York$2,755
- United States$1,922
Living in Westerlo, Albany County, New York
Westerlo is a town of 3,194 people in Albany County. Half its households earn more than $99,167 a year and half less, against $85,333 across Albany County; 8% of its people live below the poverty line. 86% of its homes are lived in by their owners and 14% are rented. Unemployment in Albany County was 3.9% in August 2026, and the county had 1.0% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Westerlo is a small town in Albany County, and most of the homes here are lived in by their owners, more than across the county as a whole. Household incomes run above the county's, and a good share of adults hold a four-year degree. Winters are cold and snowy, with January the coldest month, and summers are warm, with July the warmest; precipitation falls through the year as both rain and snow.
Work. Residents work mostly in schools, hospitals and social care, with shops, government and manufacturing also employing many. Across Albany County, the largest workplaces include Albany Medical Center Hospital, St. Peter's Hospital and the University at Albany. The commute is a fairly long one, and a good number of people work from home.
Things to do. Bear Swamp Preserve, a protected area, and Basic Creek Reservoir lie in or beside town, and Tenmile Creek, a river, is a short drive away. For a longer outing, the New York State Museum and Cohoes Falls, a waterfall, are each a longer drive away.
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- 1,246households
- 37%of adults have a degree
- 8%below the poverty line
- 29 mintypical commute
- 16%work from home
What residents work in
Employed residents by industry, from the Census survey. Albany County had 235,826 jobs in 2025, 1.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 32° and lows near 13°; warmest in July, with highs near 80° and lows near 59°. About 46 inches of snow and 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Alcove Dam weather station, 7 miles away (NOAA).
Largest workplaces in Albany County
- Albany Medical Center HospitalGeneral hospital4,922FTE
- St. Peters HospitalGeneral hospital2,895FTE
- University at AlbanyUniversity or college2,823
- Albany Medical CollegeUniversity or college2,379
- JanitronicsJanitorial services1,869
- Albany City School DistrictSchool district1,545FTE
- Veterans Health AdministrationFederal government · Department of Veterans Affairs1,493
- Care DesignHome health care agencies1,255
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 385 workplaces with 20 or more staff, 51,200 people in all across the county; Westerlo has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24), school districts from the Common Core of Data (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively high
- Ice stormsRelatively high
- LandslidesRelatively moderate
- Inland floodingRelatively moderate
- TornadoesRelatively moderate
- HurricanesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Albany County, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Albany County and the Albany-Schenectady-Troy, NY metro.
Westerlo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Westerlo7
Zip codes with a Westerlo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Westerlo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.