ZIP Code 12303

ZIP code 12303 is classified by USPS as a standard delivery area and covers roughly 39.8 square miles in Schenectady, Schenectady County, New York. The area is home to 29,857 residents, producing a population density of 749 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 12303 against New York and the nation.

On the economic side, the median household income for ZIP 12303 sits at $84,375 (9% below the New York average), while per-capita income is $42,628. The poverty rate stands at 14.2% and the unemployment rate at 4.8%. On housing, the median home value is $238,100 (37% below the state average) with median rent at $1,140 per month, and 74.1% of occupied units are owner-occupied, a direct signal of whether 12303 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 35.8% of adults hold a bachelor's degree or higher, the median age is 41.3, and the average commute is 22 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Schenectady County, so you can benchmark 12303 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →