ZIP Code 12304

ZIP code 12304 is classified by USPS as a standard delivery area and covers roughly 17.7 square miles in Schenectady, Schenectady County, New York. The area is home to 21,482 residents, producing a population density of 1,217 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 12304 against New York and the nation.

On the economic side, the median household income for ZIP 12304 sits at $69,235 (25% below the New York average), while per-capita income is $36,797. The poverty rate stands at 22.1% and the unemployment rate at 8.6%. On housing, the median home value is $179,200 (53% below the state average) with median rent at $1,100 per month, and 59.6% of occupied units are owner-occupied, a direct signal of whether 12304 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 25.6% of adults hold a bachelor's degree or higher, the median age is 41, and the average commute is 23 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Schenectady County, so you can benchmark 12304 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 →