PlainZIP

Schenectady, NY · standard

ZIP Code 12302

Schenectady County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

27,582
252/sq mi
$98,163
Median income
$255,700
Median home value
42.0%
Bachelor's or higher

The verdict

Schenectady pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.

Top 20%
household income, US ZIPs
Top 41%
home value, US ZIPs
252
people per sq mi
76%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12302 against every reporting US ZIP.

ZIP code 12302 is a densely settled ZIP (a standard USPS delivery area) in Schenectady, Schenectady County, New York, with 27,582 residents across 109.7 square miles, a density of 252 people per square mile, in the New York time zone.

ZIP 12302 lands in the middle-income range, with a median household income of $98,163 (6% above the New York average), while per-capita income is $49,164. Poverty here runs at 4.7%, with unemployment measured at 4.7%. The typical home here is valued at $255,700 (32% below the state average); renters pay a median of $1,247 monthly, and 75.8% of units are owner-occupied.

A solid share of residents have a four-year degree: 42.0% of adults hold a bachelor's degree or higher, the median age is 43.3, and the average commute is 24 minutes. To put 12302 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Schenectady County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 12302

Top 5 sectors by establishment count in Schenectady, NY

Which industries have the most business establishments in ZIP 12302.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 12302, Schenectady, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

27,582

Population

109.7

Area (sq mi)

252

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 12302?

43.3

Median Age

47.4%

Male

52.6%

Female

3.7%

Foreign-Born

White 90.8%
African American 1.5%
Asian 1.6%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.9%
Hispanic or Latino 2.8%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$98,163

Median Household Income

+6% vs state

$49,164

Per Capita Income

4.7%

Poverty Rate

4.7%

Unemployment Rate

24.1 min

Mean Commute Time

How ZIP 12302 ranks nationally

Schenectady, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$98,163 Top 20% higher than 80% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 64.5%
Bachelor's Degree or Higher 42.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

12,334

Total Housing Units

11,759

Occupied Units

575

Vacant Units

2.33

Avg Household Size

Occupancy Type

Owner 75.8%
Renter 24.2%

$255,700

Median Home Value

-32% vs state

$1,247

Median Rent

1960

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+6.9%

YoY Change (2024)

285

HPI Index (2000 = 100)

+185%

Total Change Since 2000

Home values in ZIP 12302 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +185% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.6% 193
2021 +11.8% 215
2022 +11.2% 240
2023 +11.3% 267
2024 +6.9% 285

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 525 business establishments in ZIP 12302, employing approximately 8,397 people with a combined annual payroll of $406,498,000.

525

Businesses

8,397

Employees

$406.5M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 80 15.2%
Construction 68 12.9%
Accommodation and food services 66 12.6%
Health care and social assistance 57 10.9%
Other services (except public administration) 51 9.7%
Professional, scientific, and technical services 44 8.4%
Administrative and support and waste management and remediation services 32 6.1%
Manufacturing 26 5.0%
Finance and insurance 25 4.8%
Real estate and rental and leasing 20 3.8%
Transportation and warehousing 16 3.0%
Arts, entertainment, and recreation 13 2.5%
Information 10 1.9%
Wholesale trade 8 1.5%
Educational services 6 1.1%
Management of companies and enterprises 3 0.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 12302 vs 12150 →

ZIP 12302 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 12302 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 12302 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 12302 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
12150 Rotterdam Junction, NY 914 3.6 mi
12305 Schenectady, NY 5,716 5.1 mi
12008 Alplaus, NY 497 4.2 mi
12027 Burnt Hills, NY 3,882 4.7 mi
12308 Schenectady, NY 15,335 5.2 mi
12306 Schenectady, NY 25,636 5.8 mi
12307 Schenectady, NY 7,692 5.8 mi
12019 Ballston Lake, NY 14,740 5.9 mi
12137 Pattersonville, NY 1,679 7.6 mi
12148 Rexford, NY 4,569 7.6 mi

More ZIP Codes in Schenectady County

12303 standard
Schenectady, NY
Pop: 29,857
12309 standard
Schenectady, NY
Pop: 29,343
12306 standard
Schenectady, NY
Pop: 25,636
12304 standard
Schenectady, NY
Pop: 21,482
12308 standard
Schenectady, NY
Pop: 15,335
12307 standard
Schenectady, NY
Pop: 7,692

Related Areas

Schenectady County Schenectady, NY New York

Frequently Asked Questions

What county is ZIP code 12302 in? ▼
ZIP code 12302 (Schenectady) is located in Schenectady County, New York. Schenectady County contains multiple ZIP codes, see the full list at /counties/schenectady-ny.
What is the population of ZIP code 12302? ▼
ZIP code 12302 in Schenectady, NY has a population of 27,582 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12302? ▼
The median household income in ZIP 12302 is $98,163, which is 29% above the national average of $76,288.
What is the average home value in ZIP 12302? ▼
The median home value in ZIP 12302 is $255,700, which is 8% below the national average of $278,155.
What is the demographic makeup of ZIP 12302? ▼
The largest racial group in ZIP 12302 is White at 90.8%. Hispanic or Latino residents make up 2.8% of the population.
How many businesses are in ZIP code 12302? ▼
ZIP code 12302 has 525 business establishments employing approximately 8,397 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12302? ▼
The top industries by establishment count in ZIP 12302 are: Retail trade (80), Construction (68), Accommodation and food services (66). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 12302? ▼
According to the FHFA House Price Index, home values in ZIP 12302 increased by 6.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 185%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 12302? ▼
In ZIP code 12302, 64.5% of residents aged 25+ have a high school diploma or higher, and 42.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 12302? ▼
The mean commute time for workers in ZIP code 12302 is 24.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 12302? ▼
In ZIP code 12302, approximately 75.8% of occupied housing units are owner-occupied and 24.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12302? ▼
The poverty rate in ZIP code 12302 is 4.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.