Residential delivery area · New York
ZIP Code 12303: Schenectady, NY
ZIP code 12303 uses the postal name Schenectady, New York and lies mostly in Albany County (71% of its land) with the rest in Schenectady County (Census 2020 ZIP-county file). About 29,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of Schenectady's 8 residential ZIP codes. Median household income is $84,375 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Rotterdam (22%) and Schenectady (7%); 71% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Schenectady · 8 residential ZIPs
- County
- Albany County (71%); Schenectady County (29%)
- Census places
- Rotterdam (22%) census-designated place; Schenectady (7%)
- Metro area
- Albany-Schenectady-Troy, NY
- House district
- NY-20 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 15.6 sq mi · 1,886 people per sq mi
Where is ZIP code 12303?
12303 centers on 42.749°, -73.930° and covers 15.6 square miles of land plus 0.0 of water. It borders 7 ZIP codes: 12304, 12084, 12307, 12305, 12205, 12009, 12306.
The map draws ZIP code areas only. For the streets inside 12303, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 12303 compare with the rest of Schenectady?
| Measure | 12303 | In Schenectady | In Albany County | In NY |
|---|---|---|---|---|
| People (ACS 2020-2024) | 29,360 | 2nd of 8 | 3rd of 46 | 214th of 1,826 |
| Median household income | $84k | 3rd of 7 | 17th of 30 | 531st of 1,081 |
| Median home value | $238k | 3rd of 6 | 21st of 32 | 664th of 1,172 |
Its median household income is higher than in 67% of U.S. residential ZIP codes, and it is denser than 84% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 12303?
The 2020 Census counted 30,893 people in 12303; the ACS, which samples households over 2020-2024, estimates 29,360. Between the 2010 and 2020 censuses its population grew 3.5% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 29,360
- 2020 Census count
- 30,893+3.5% since 2010 (29,857)
- Households
- 11,910
- Median age
- 41.3
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 12303?
Of the 29,360 people the ACS estimates in 12303, 21.8% are under 18 and 18.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (65.5%), then Other or two or more (10.4%).
- Under 1821.8%
- 18 to 6459.3%
- 65 and older18.9%
- White, not Hispanic65.5%
- Other or two or more10.4%
- Black, not Hispanic9.3%
- Hispanic or Latino8.6%
- Asian, not Hispanic6.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 12303 earn?
Median household income is $84,375 (ACS 2020-2024), the 17th highest of the 30 ranked ZIP codes in Albany County. It is not measurably different from 2015-2019 ($82,605 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $84,375
- Income per person
- $42,628
- Below the poverty line
- 14.2%
- Unemployed (of the labor force)
- 4.8%
- Adults 25+ with a bachelor's degree
- 35.8%
- Adjusted gross income per tax return, 2022
- $76,86015,200 returns; wages 70% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 12303?
FHFA's house price index for 12303, built from repeat sales and appraisals of the same homes, rose 77% from 2015 to 2025 and rose 60% from 2020 to 2025, and moved +7.5% in 2025.
- Median home value (owners' estimate)
- $238,100
- Median gross rent
- $1,140
- Homes owned by their occupants
- 74.1%
- Housing units
- 12,626
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 12303?
475 business establishments had a location in this ZIP code in 2023, 1 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade68
- Construction62
- Professional, scientific, and technical services54
- Health care and social assistance54
- Other services (except public administration)49
- Accommodation and food services48
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 12303?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 12304 | Schenectady | 22,403 | $69k | 2.4 mi |
| 12084 | Guilderland | 5,328 | $91k | 3.4 mi |
| 12307 | Schenectady | 7,050 | $25k | 3.9 mi |
| 12305 | Schenectady | 7,356 | $53k | 4.5 mi |
| 12205 | Albany | 25,838 | $91k | 5.8 mi |
| 12009 | Altamont | 7,934 | $120k | 6.4 mi |
| 12306 | Schenectady | 27,865 | $83k | 7.0 mi |
| 12085 | Guilderland Center | 357 | – | 3.8 mi (near) |
| 12309 | Schenectady | 33,246 | $125k | 4.8 mi (near) |
| 12308 | Schenectady | 15,511 | $63k | 5.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.