PlainZIP

Schenectady, NY · standard

ZIP Code 12303

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

29,857
749/sq mi
$84,375
Median income
$238,100
Median home value
35.8%
Bachelor's or higher

The verdict

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

Top 33%
household income, US ZIPs
Top 46%
home value, US ZIPs
749
people per sq mi
74%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12303 against every reporting US ZIP.

ZIP code 12303 is a densely settled ZIP (a standard USPS delivery area) in Schenectady, Schenectady County, New York, with 29,857 residents across 39.8 square miles, a density of 749 people per square mile, in the New York time zone.

ZIP 12303 lands in the middle-income range, with a median household income of $84,375 (9% below the New York average), while per-capita income is $42,628. 14.2% of residents live below the poverty line, and the unemployment rate reads 4.8%. Housing costs here run $238,100 for a typical home value (37% below the state average), with rent averaging $1,140 a month; 74.1% of homes are owner-occupied.

A solid share of residents have a four-year degree: 35.8% of adults hold a bachelor's degree or higher, the median age is 41.3, and the average commute is 22 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Schenectady County, letting you compare 12303 to its immediate surroundings rather than a national baseline alone.

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 12303

Top 5 sectors by establishment count in Schenectady, NY

Which industries have the most business establishments in ZIP 12303.

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 12303, 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

29,857

Population

39.8

Area (sq mi)

749

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 12303?

41.3

Median Age

48.4%

Male

51.6%

Female

11.0%

Foreign-Born

White 66.9%
African American 9.6%
Asian 6.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 12.2%
Hispanic or Latino 8.6%

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?

$84,375

Median Household Income

-9% vs state

$42,628

Per Capita Income

14.2%

Poverty Rate

4.8%

Unemployment Rate

22.2 min

Mean Commute Time

How ZIP 12303 ranks nationally

Schenectady, NY household income vs. every US ZIP code

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

$84,375 Top 33% higher than 67% 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 59.6%
Bachelor's Degree or Higher 35.8%

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

What does housing look like?

12,626

Total Housing Units

11,910

Occupied Units

716

Vacant Units

2.43

Avg Household Size

Occupancy Type

Owner 74.1%
Renter 25.9%

$238,100

Median Home Value

-37% vs state

$1,140

Median Rent

1957

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

+5.8%

YoY Change (2024)

262

HPI Index (2000 = 100)

+162%

Total Change Since 2000

Home values in ZIP 12303 have increased 5.8% over the past year (2024). Since 2000, this ZIP has seen +162% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.7% 177
2021 +11.1% 197
2022 +14.4% 225
2023 +9.8% 247
2024 +5.8% 262

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 475 business establishments in ZIP 12303, employing approximately 5,255 people with a combined annual payroll of $260,723,000.

475

Businesses

5,255

Employees

$260.7M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 68 14.3%
Construction 62 13.1%
Professional, scientific, and technical services 54 11.4%
Health care and social assistance 54 11.4%
Other services (except public administration) 49 10.3%
Accommodation and food services 48 10.1%
Administrative and support and waste management and remediation services 29 6.1%
Finance and insurance 27 5.7%
Manufacturing 17 3.6%
Wholesale trade 17 3.6%
Real estate and rental and leasing 17 3.6%
Transportation and warehousing 10 2.1%
Educational services 8 1.7%
Information 6 1.3%
Arts, entertainment, and recreation 6 1.3%

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 12303 vs 12304 →

ZIP 12303 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 12303 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 12303 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 12303 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
12304 Schenectady, NY 21,482 2.2 mi
12307 Schenectady, NY 7,692 3.9 mi
12084 Guilderland, NY 4,271 3.4 mi
12308 Schenectady, NY 15,335 5.0 mi
12085 Guilderland Center, NY 479 3.7 mi
12305 Schenectady, NY 5,716 4.5 mi
12309 Schenectady, NY 29,343 4.4 mi
12008 Alplaus, NY 497 7.2 mi
12205 Albany, NY 26,977 5.3 mi
12203 Albany, NY 29,952 6.1 mi

More ZIP Codes in Schenectady County

12309 standard
Schenectady, NY
Pop: 29,343
12302 standard
Schenectady, NY
Pop: 27,582
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 12303 in? ▼
ZIP code 12303 (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 12303? ▼
ZIP code 12303 in Schenectady, NY has a population of 29,857 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12303? ▼
The median household income in ZIP 12303 is $84,375, which is 11% above the national average of $76,288.
What is the average home value in ZIP 12303? ▼
The median home value in ZIP 12303 is $238,100, which is 14% below the national average of $278,155.
What is the demographic makeup of ZIP 12303? ▼
The largest racial group in ZIP 12303 is White at 66.9%. Hispanic or Latino residents make up 8.6% of the population.
How many businesses are in ZIP code 12303? ▼
ZIP code 12303 has 475 business establishments employing approximately 5,255 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12303? ▼
The top industries by establishment count in ZIP 12303 are: Retail trade (68), Construction (62), Professional, scientific, and technical services (54). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 12303? ▼
According to the FHFA House Price Index, home values in ZIP 12303 increased by 5.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 162%. 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 12303? ▼
In ZIP code 12303, 59.6% of residents aged 25+ have a high school diploma or higher, and 35.8% 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 12303? ▼
The mean commute time for workers in ZIP code 12303 is 22.2 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 12303? ▼
In ZIP code 12303, approximately 74.1% of occupied housing units are owner-occupied and 25.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12303? ▼
The poverty rate in ZIP code 12303 is 14.2% 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.