| ZIP Code | 12304 |
|---|---|
| City | Schenectady |
| State | New York (NY) |
| County | Schenectady County |
| Area Code | 518/838 |
| Elevation | 352 ft |
| Latitude | 42.77469 |
|---|---|
| Longitude | -73.898297 |
| Timezone | New York (DST) |
| FIPS | 36093 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.0 yrs ↑ 5% since 2019 |
|---|---|
| Avg Household Size | 2.35 |
| Below Poverty | 20.2% ▲ 102% above avg |
| College Grads | 40.9% ≈ Avg |
| Unemployment | 7.9% ▲ 62% above avg |
| No HS Diploma | 373 (2.5%) |
| HS Graduate | 4,604 (31.5%) |
| Some College | 1,805 (12.3%) |
| Associates | 1,864 (12.7%) |
| Bachelors | 2,188 (15%) |
| Graduate Degree | 3,800 (26%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $67,688 ▼ 11% below avg ↑ 33% since 2019 |
|---|---|
| Median Home Value | $171,500 ▼ 38% below avg ↑ 36% since 2019 |
| Home/Income Ratio | 2.5x (nat avg ~3.5x) |
| Median Rent | $1,049/mo ↑ 13% since 2019 |
| Total Units | 9,438 |
| Vacant Units | 228 |
| Avg HH Size | 2.35 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 9,438 |
|---|---|
| Vacant | 228 |
| Owner Occupied | 59.6% |
| Renter Occupied | 40.4% |
| Avg HH Size | 2.35 |
ZIP code 12304 is located in Schenectady, New York, within Schenectady County. With a population of 22,027, this is a moderately populated ZIP code with a middle-aged community — the median age is 42 years. Economically, 12304 is a solidly middle-class ZIP code: the median household income of $67,688 is near the national average.
Real estate in ZIP code 12304 represents an affordable housing market. The median home value of $171,500 is below the national average. Renters can expect to pay around $1,049 per month in median rent. The area has a relatively balanced mix of owners (59.6%) and renters (40.4%). Median home values have increased by 36% since 2019.
The population of 12304 is majority White (52.20%). Residents are well-educated — 40.9% hold a bachelor's degree or higher, which is near the national average. Poverty affects a significant share of residents at 20.2%. Household income has grown by 33% since 2019.
The unemployment rate in 12304 stands at 7.9%, which is significantly above the national average. As in most parts of the country, driving alone is the dominant commute mode at 74%.
Overall, ZIP code 12304 in Schenectady, NY is characterized as solidly middle-class, well-educated, and a middle-aged community. With 22,027 residents, a median household income of $67,688, and a median home value of $171,500, it offers a clear picture of life in this part of New York.