PlainZIP

Schenectady, NY · standard

ZIP Code 12306

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

25,636
230/sq mi
$83,202
Median income
$222,500
Median home value
29.8%
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 34%
household income, US ZIPs
Top 50%
home value, US ZIPs
230
people per sq mi
69%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12306 against every reporting US ZIP.

ZIP code 12306 is a densely settled ZIP (a standard USPS delivery area) in Schenectady, Schenectady County, New York, with 25,636 residents across 111.6 square miles, a density of 230 people per square mile, in the New York time zone.

ZIP 12306 lands in the middle-income range, with a median household income of $83,202 (10% below the New York average), while per-capita income is $41,975. Poverty here runs at 8.6%, with unemployment measured at 4.5%. Housing costs here run $222,500 for a typical home value (41% below the state average), with rent averaging $1,228 a month; 68.6% of homes are owner-occupied.

Educational attainment sits below the national norm: 29.8% of adults hold a bachelor's degree or higher, the median age is 38.9, 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 12306 against its immediate geography rather than a national average 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 12306

Top 5 sectors by establishment count in Schenectady, NY

Which industries have the most business establishments in ZIP 12306.

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 12306, 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

25,636

Population

111.6

Area (sq mi)

230

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 12306?

38.9

Median Age

50.4%

Male

49.6%

Female

4.5%

Foreign-Born

White 79.5%
African American 5.4%
Asian 2.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 10.0%
Hispanic or Latino 8.1%

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?

$83,202

Median Household Income

-10% vs state

$41,975

Per Capita Income

8.6%

Poverty Rate

4.5%

Unemployment Rate

22.1 min

Mean Commute Time

How ZIP 12306 ranks nationally

Schenectady, NY household income vs. every US ZIP code

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

$83,202 Top 34% higher than 66% 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 58.5%
Bachelor's Degree or Higher 29.8%

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

What does housing look like?

12,727

Total Housing Units

11,895

Occupied Units

832

Vacant Units

2.34

Avg Household Size

Occupancy Type

Owner 68.6%
Renter 31.4%

$222,500

Median Home Value

-41% vs state

$1,228

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

+6.5%

YoY Change (2024)

269

HPI Index (2000 = 100)

+169%

Total Change Since 2000

Home values in ZIP 12306 have increased 6.5% over the past year (2024). Since 2000, this ZIP has seen +169% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.1% 183
2021 +13.0% 207
2022 +7.4% 223
2023 +13.3% 252
2024 +6.5% 269

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 457 business establishments in ZIP 12306, employing approximately 5,048 people with a combined annual payroll of $240,217,000.

457

Businesses

5,048

Employees

$240.2M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Construction 98 21.4%
Retail trade 70 15.3%
Accommodation and food services 51 11.2%
Other services (except public administration) 45 9.8%
Administrative and support and waste management and remediation services 41 9.0%
Transportation and warehousing 27 5.9%
Health care and social assistance 25 5.5%
Real estate and rental and leasing 21 4.6%
Professional, scientific, and technical services 18 3.9%
Wholesale trade 15 3.3%
Manufacturing 14 3.1%
Finance and insurance 13 2.8%
Arts, entertainment, and recreation 8 1.8%
Information 5 1.1%

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 12306 vs 12305 →

ZIP 12306 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 12306 ranks #3 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 12306 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 12306 ranks #6 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
12305 Schenectady, NY 5,716 4.0 mi
12307 Schenectady, NY 7,692 4.8 mi
12150 Rotterdam Junction, NY 914 5.3 mi
12056 Duanesburg, NY 2,310 4.1 mi
12009 Altamont, NY 7,164 7.4 mi
12302 Schenectady, NY 27,582 5.8 mi
12308 Schenectady, NY 15,335 5.6 mi
12137 Pattersonville, NY 1,679 6.1 mi
12303 Schenectady, NY 29,857 6.5 mi
12304 Schenectady, NY 21,482 7.0 mi

More ZIP Codes in Schenectady County

12303 standard
Schenectady, NY
Pop: 29,857
12309 standard
Schenectady, NY
Pop: 29,343
12302 standard
Schenectady, NY
Pop: 27,582
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 12306 in? ▼
ZIP code 12306 (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 12306? ▼
ZIP code 12306 in Schenectady, NY has a population of 25,636 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12306? ▼
The median household income in ZIP 12306 is $83,202, which is 9% above the national average of $76,288.
What is the average home value in ZIP 12306? ▼
The median home value in ZIP 12306 is $222,500, which is 20% below the national average of $278,155.
What is the demographic makeup of ZIP 12306? ▼
The largest racial group in ZIP 12306 is White at 79.5%. Hispanic or Latino residents make up 8.1% of the population.
How many businesses are in ZIP code 12306? ▼
ZIP code 12306 has 457 business establishments employing approximately 5,048 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12306? ▼
The top industries by establishment count in ZIP 12306 are: Construction (98), Retail trade (70), Accommodation and food services (51). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 12306? ▼
According to the FHFA House Price Index, home values in ZIP 12306 increased by 6.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 169%. 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 12306? ▼
In ZIP code 12306, 58.5% of residents aged 25+ have a high school diploma or higher, and 29.8% 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 12306? ▼
The mean commute time for workers in ZIP code 12306 is 22.1 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 12306? ▼
In ZIP code 12306, approximately 68.6% of occupied housing units are owner-occupied and 31.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12306? ▼
The poverty rate in ZIP code 12306 is 8.6% 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.