Residential delivery area · New York
ZIP Code 12304: Schenectady, NY
ZIP code 12304 uses the postal name Schenectady, New York and lies mostly in Schenectady County (66% of its land) with the rest in Albany County (Census 2020 ZIP-county file). About 22,000 people live there (Census Bureau, ACS 2020-2024), the 5th most populous of Schenectady's 8 residential ZIP codes. Median household income is $69,235 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Schenectady (46%), Niskayuna (15%) and Rotterdam (5%); 34% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Schenectady · 8 residential ZIPs
- County
- Schenectady County (66%); Albany County (34%)
- Census places
- Schenectady (46%); Niskayuna (15%) census-designated place; Rotterdam (5%) census-designated place
- Metro area
- Albany-Schenectady-Troy, NY
- House district
- NY-20 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 6.7 sq mi · 3,362 people per sq mi
Where is ZIP code 12304?
12304 centers on 42.775°, -73.898° and covers 6.7 square miles of land plus 0.0 of water. It borders 5 ZIP codes: 12303, 12309, 12307, 12308, 12205.
The map draws ZIP code areas only. For the streets inside 12304, 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 12304 compare with the rest of Schenectady?
| Measure | 12304 | In Schenectady | In Schenectady County | In NY |
|---|---|---|---|---|
| People (ACS 2020-2024) | 22,403 | 5th of 8 | 6th of 17 | 297th of 1,826 |
| Median household income | $69k | 5th of 7 | 8th of 11 | 780th of 1,081 |
| Median home value | $179k | 6th of 6 | 12th of 12 | 851st of 1,172 |
Its median household income is higher than in 45% of U.S. residential ZIP codes, and it is denser than 90% 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 12304?
The 2020 Census counted 21,513 people in 12304; the ACS, which samples households over 2020-2024, estimates 22,403. Between the 2010 and 2020 censuses its population grew 0.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 22,403
- 2020 Census count
- 21,513+0.1% since 2010 (21,482)
- Households
- 9,306
- Median age
- 41.0
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 12304?
Of the 22,403 people the ACS estimates in 12304, 22.5% are under 18 and 19.0% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (46.9%), then Black (not Hispanic) (18.5%).
- Under 1822.5%
- 18 to 6458.5%
- 65 and older19.0%
- White, not Hispanic46.9%
- Black, not Hispanic18.5%
- Other or two or more16.0%
- Asian, not Hispanic11.2%
- Hispanic or Latino7.5%
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 12304 earn?
Median household income is $69,235 (ACS 2020-2024), the 8th highest of the 11 ranked ZIP codes in Schenectady County. It is not measurably different from 2015-2019 ($62,514 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $69,235
- Income per person
- $36,797
- Below the poverty line
- 22.1%
- Unemployed (of the labor force)
- 8.6%
- Adults 25+ with a bachelor's degree
- 25.6%
- Adjusted gross income per tax return, 2022
- $54,49210,430 returns; wages 76% 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 12304?
FHFA's house price index for 12304, built from repeat sales and appraisals of the same homes, rose 103% from 2015 to 2025 and rose 63% from 2020 to 2025, and moved +8.8% in 2025.
- Median home value (owners' estimate)
- $179,200
- Median gross rent
- $1,100
- Homes owned by their occupants
- 59.6%
- Housing units
- 9,495
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 12304?
406 business establishments had a location in this ZIP code in 2023, 14 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade103
- Other services (except public administration)51
- Accommodation and food services50
- Health care and social assistance42
- Construction36
- Administrative and support and waste management and remediation services19
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 12304?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 12303 | Schenectady | 29,360 | $84k | 2.4 mi |
| 12309 | Schenectady | 33,246 | $125k | 2.4 mi |
| 12307 | Schenectady | 7,050 | $25k | 2.7 mi |
| 12308 | Schenectady | 15,511 | $63k | 3.4 mi |
| 12205 | Albany | 25,838 | $91k | 5.4 mi |
| 12305 | Schenectady | 7,356 | $53k | 3.7 mi (near) |
| 12148 | Rexford | 4,023 | $142k | 4.5 mi (near) |
| 12084 | Guilderland | 5,328 | $91k | 4.8 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.