As of the census of 2000, there were 95,658 people, 40,709 households, and 18,400 families residing in the city of Albany. The population density was 4,474.6/mi² (1,727.5/km².) There were 45,288 housing units at an average density of 2,118.4/mi² (817.9/km².) The racial makeup of the city was 63.12% White, 28.14% Black or African American, 0.31% Native American, 3.26% Asian, 0.04% Pacific Islander, 2.15% from other races, and 2.98% from two or more races. 5.59% of the population were Hispanic or Latino of any race.

There were 40,709 households out of which 22.0% had children under the age of 18 living with them, 25.3% were married couples living together, 16.1% had a female householder with no husband present, and 54.8% were non-families. 41.9% of all households were made up of individuals and 11.5% had someone living alone who was 65 years of age or older. The average household size was 2.11 and the average family size was 2.95.

The median income for a household in the city was $30,041, and the median income for a family was $39,932. Males had a median income of $31,535 versus $27,112 for females. The per capita income for the city was $18,281. About 16.0% of families and 21.7% of the population were below the poverty line, including 28.8% of those under age 18 and 12.5% of those age 65 or over.

The Albany Symphony Orchestra, Capital Repertory Theatre and Albany Institute of History and Art provide outlets for locally composed, created and curated works, as well as traveling exhibitions and shows. The recently renovated Palace Theatre and the Egg provide mid-sized forums for music, theatre and spoken word performances. The Pepsi Arena (which will be renamed the Times Union Center in 2007) serves as the city's largest musical venue for nationally and internationally prominent bands, as well as trade shows, sporting events and other large-scale community gatherings. The New York State Museum [9] is a major cultural draw, focusing on fine arts, natural history, and New York's economic, political and social histories. Additionally, there are several small, private art galleries and antiquarian book shops in Albany, mainly clustered around Lark Street between Washington Avenue and Madison Avenue. Albany also has two independent film theatres, as well as performing and fine arts venues associated with the University at Albany and College of St. Rose.

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