ZIP Code 05820 — Albany village, VT Demographics & Data

ZIP code 05820 covers Albany, VT in Orleans County with a population of about 334.

At a glance, the area shows median age of 43.0 versus a U.S. median of about 38.9.

It sits in telephone area code 802; U.S. House district VT-00; the BURLINGTON - PLATTSBURGH media market.

Albany, VT reads as a military / base-oriented community on US5’s intent model (elevated veteran share (21.1%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 05820 is about $69,167 — about 8% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.0%; unemployment rate near 0.6%; 30.6% of adults with a bachelor’s degree or higher (about 3.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Healthcare; about 4.5% of workers reporting work-from-home (about 10.7 points below the U.S. share (15.2%)); a mean commute of about 149.0 minutes (U.S. average near 26.8).

Median home value is about $200,000 — about 43% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 98.5% (about 33.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 05820 in Albany, VT, a household would need roughly $55,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,285. That sits below the local median household income ($69,167), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Albany village, VT as Very Low (composite score 36.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (67.3) and flood (60.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Albany village, VT show little to no average snow.

IRS migration statistics show a net inflow of about 17 for ZIP 05820 (Albany village, VT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.