Census tract · Rensselaer County
Census Tract 401, Rensselaer County, New York
Census Tract 401, GEOID 36083040100, in Rensselaer County, New York, entirely within Troy. 4,193 residents in the ACS 2020-2024 5-year estimates (±581); the 2020 Census counted 4,017.
Residents, 2020-2024
4,193
±581 (90% margin)
2020 Census count: 4,017
Median household income
$39,819
±$12,379 (90% margin)
Rensselaer County: $87,915
Median home value
$168,800
±$44,622 (90% margin)
Rensselaer County: $258,400
Median gross rent
$875
±$86 (90% margin)
Rensselaer County: $1,217
Where is Census Tract 401?
Census Tract 401 is one of 48 census tracts in Rensselaer County, New York. It covers 0.67 square miles of land, 5,969 residents per square mile in 2020. Its GEOID, 36083040100, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Troy | 100% |
6 census tracts border Census Tract 401: Tract 127 in Albany County ($71,875), Tract 402 ($41,685), Tract 414 ($68,160), Tract 519.02 ($99,450), Tract 627 in Saratoga County ($93,214) and Tract 628 in Saratoga County ($72,938). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 401?
The 2020-2024 American Community Survey puts Census Tract 401's population at 4,193 (±581) in 1,762 households; the 2020 Census counted 4,017 residents and 1,912 housing units.
| Measure | Tract 401 | Troy |
|---|---|---|
| Total population | 4,193 ±581 | 51,033 |
| Households | 1,762 ±177 | 21,265 |
| Average household size | 2.37 ±0.31 | 2.13 |
| Housing units | 1,911 ±148 | 24,818 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 401?
The median resident of Census Tract 401 is 35.0 years old; 28.0% are under 18 and 11.5% are 65 or older. The largest group is non-Hispanic white residents at 49.2%, then non-Hispanic Black residents at 21.4%.
| Measure | Tract 401 | Troy |
|---|---|---|
| Median age | 35.0 ±3.2 | 32.3 |
| Under 18 years | 28.0% ±8.2 pts | 17.2% |
| 65 years and over | 11.5% ±4.3 pts | 13.3% |
| Hispanic or Latino (any race) | 14.9% ±8.5 pts | 10.3% |
| White alone, not Hispanic | 49.2% ±11.0 pts | 61.4% |
| Black or African American alone, not Hispanic | 21.4% ±8.1 pts | 15.5% |
| Asian alone, not Hispanic | 0.3% ±0.4 pts | 3.9% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.0 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.0 pts | 0.0% |
| Two or more races, not Hispanic | 11.3% ±5.3 pts | 8.1% |
| Some other race alone, not Hispanic | 2.9% ±5.7 pts | 0.7% |
| Born outside the United States | 4.2% ±3.3 pts | 8.1% |
| Speak a language other than English at home (age 5+) | 4.4% ±3.2 pts | 10.9% |
| Civilian veterans (age 18+) | 4.5% ±2.4 pts | 4.6% |
| With a disability | 16.2% ±6.0 pts | 18.5% |
| No health insurance coverage | 6.1% ±3.4 pts | 4.6% |
| High school graduate or higher (age 25+) | 86.8% ±5.6 pts | 89.0% |
| Bachelor's degree or higher (age 25+) | 24.2% ±6.5 pts | 37.3% |
| Graduate or professional degree (age 25+) | 6.8% ±4.0 pts | 15.6% |
| Lived in the same house a year earlier | 85.8% ±9.8 pts | 81.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 401 earn?
Half of the 1,762 households in Census Tract 401 earn less than $39,819 a year (±$12,379), against $87,915 across Rensselaer County: 45th highest of the county's 47 tracts with a reliable estimate. 32.9% of residents live below the poverty line.
| Measure | Tract 401 | Troy |
|---|---|---|
| Median household income | $39,819 ±$12,379 | $58,477 |
| Mean household income | $60,164 ±$9,484 | $80,186 |
| Per capita income | $26,253 ±$4,808 | $35,237 |
| People below the poverty line | 32.9% ±10.5 pts | 23.4% |
| Children under 18 below the poverty line | 57.1% ±19.0 pts | 40.5% |
| Households receiving SNAP | 31.5% ±9.8 pts | 21.7% |
| Households with a computer | 90.4% ±4.9 pts | 94.2% |
| Households with a broadband subscription | 84.2% ±8.1 pts | 88.9% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 401?
Owners occupy 46.3% of Census Tract 401's occupied homes and renters 53.7%. The median owner-occupied home is valued at $168,800 by its owner (±$44,622). The median renter pays $875 a month including utilities, and 49.7% of renters pay 35% or more of their income on rent.
| Measure | Tract 401 | Troy |
|---|---|---|
| Median home value (owner-occupied) | $168,800 ±$44,622 | $206,500 |
| Median gross rent | $875 ±$86 | $1,175 |
| Renters paying 35% or more of income on rent | 49.7% ±14.8 pts | 44.4% |
| Median monthly owner costs, with a mortgage | $1,688 ±$240 | $1,774 |
| Owner-occupied homes | 46.3% ±9.3 pts | 37.4% |
| Renter-occupied homes | 53.7% ±9.3 pts | 62.6% |
| Housing units | 1,911 ±148 | 24,818 |
| Single-family detached homes | 35.6% ±8.0 pts | 24.4% |
| Mobile homes | 5.0% ±3.5 pts | 0.4% |
| Built 2020 or later | 0.0% ±2.2 pts | 0.3% |
| Built 2010 to 2019 | 0.6% ±0.9 pts | 4.7% |
| Built 1939 or earlier | 62.5% ±9.6 pts | 55.3% |
| Households with no vehicle | 22.0% ±9.0 pts | 19.7% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 401 get to work?
59.4% of Census Tract 401's workers drive alone and 10.7% work from home. The average trip to work takes 29.5 minutes.
| Measure | Tract 401 | Troy |
|---|---|---|
| In the labor force (age 16+) | 56.2% ±7.6 pts | 59.7% |
| Unemployment rate | 4.9% ±4.2 pts | 9.1% |
| Drove alone to work | 59.4% ±13.5 pts | 60.9% |
| Carpooled | 11.9% ±6.8 pts | 8.5% |
| Public transportation | 8.6% ±7.7 pts | 5.1% |
| Walked | 6.6% ±6.9 pts | 8.5% |
| Worked from home | 10.7% ±6.6 pts | 14.5% |
| Mean travel time to work | 29.5 min ±5.3 | 21.1 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 401 compare with the other tracts in Rensselaer County?
Among Rensselaer County's tracts with a reliable estimate, Census Tract 401 ranks as shown below (1 = highest).
| Measure | In Rensselaer County | In Troy |
|---|---|---|
| Population | 11th of 48 | 3rd of 16 |
| Residents per square mile | 9th of 48 | 9th of 16 |
| Median household income | 45th of 47 | 13th of 15 |
| Per capita income | 45th of 48 | 13th of 16 |
| Median home value | 38th of 43 | 9th of 12 |
| Median gross rent | 41st of 46 | 14th of 15 |
| Poverty rate | 4th of 33 | 4th of 15 |
| Bachelor's degree or higher | 41st of 48 | 13th of 16 |
| Median age | 37th of 48 | 6th of 16 |
| Owner-occupied share | 34th of 47 | 4th of 15 |
The tracts next to it on Rensselaer County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 406 | 42nd | $45,044±$2,887 · within the margin of this tract |
| Tract 411.02 | 43rd | $42,727±$14,782 · within the margin of this tract |
| Tract 402 | 44th | $41,685±$21,835 · within the margin of this tract |
| Tract 401 | 45th | $39,819±$12,379 |
| Tract 405 | 46th | $38,889±$24,870 · within the margin of this tract |
| Tract 404 | 47th | $35,016±$7,227 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 401?
1 of the 18 figures for Census Tract 401 on this page carries a coefficient of variation over 40% and is marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections