You won't get much "culture" in St. Albans, its pretty much a bedroom community for Burlington. Activities are limited, shopping is as well, a few grocery stores and a few clothing. No Wal-Marts or Targets

....(no Targets in Vermont at all actually). Taxes in Vermont are high every where. A 3 bedroom 1 1/2 bath can cost $3500+ per year on average.
Crime has gotten worse in the last 10 years or so, but it is getting better, as the police chief is trying to clean up the drugs.
The hospital (Northwest Medical Center) is small, but has a pretty good birthing center. Critical injuries are sent to the hosptial in Burlington. Burlington also has the closest commercial airport, although Plattsburgh (New York) has some commercial flights now as well.
Lake Champlain is your best bet for boating & skiing, although there is Lake Memphromagog (about an hour or so away) there a few small ponds/lakes (Fairfield Pond..) near St. Albans but many are stopping the use of motorized boats..
Burlington is 30-35 minutes away, Smugs and Stowe both approx. 1 to 1 1/2 hour. (Close to the hour mark..)