PlainZIP

Schenectady, NY · standard

ZIP Code 12309

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

29,343
684/sq mi
$125,274
Median income
$330,700
Median home value
61.1%
Bachelor's or higher

The verdict

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

Top 8%
household income, US ZIPs
Top 29%
home value, US ZIPs
684
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12309 against every reporting US ZIP.

ZIP code 12309 is a densely settled ZIP (a standard USPS delivery area) in Schenectady, Schenectady County, New York, with 29,343 residents across 42.9 square miles, a density of 684 people per square mile, in the New York time zone.

ZIP 12309 skews affluent, with a median household income of $125,274 (35% above the New York average), while per-capita income is $57,884. Poverty here runs at 5.2%, with unemployment measured at 3.3%. On housing, the median home value is $330,700 (13% below the state average) with median rent at $1,499 per month, and 81.7% of occupied units are owner-occupied.

This is a highly-educated ZIP: 61.1% of adults hold a bachelor's degree or higher, the median age is 41.3, and the average commute is 21 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Schenectady County, so you can benchmark 12309 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 12309

Top 5 sectors by establishment count in Schenectady, NY

Which industries have the most business establishments in ZIP 12309.

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 12309, 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

29,343

Population

42.9

Area (sq mi)

684

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 12309?

41.3

Median Age

50.8%

Male

49.2%

Female

11.6%

Foreign-Born

White 74.4%
African American 6.1%
Asian 8.7%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.0%
Hispanic or Latino 6.0%

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?

$125,274

Median Household Income

+35% vs state

$57,884

Per Capita Income

5.2%

Poverty Rate

3.3%

Unemployment Rate

20.9 min

Mean Commute Time

How ZIP 12309 ranks nationally

Schenectady, NY household income vs. every US ZIP code

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

$125,274 Top 8% higher than 92% 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%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $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 74.4%
Bachelor's Degree or Higher 61.1%

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

What does housing look like?

13,610

Total Housing Units

12,767

Occupied Units

843

Vacant Units

2.56

Avg Household Size

Occupancy Type

Owner 81.7%
Renter 18.3%

$330,700

Median Home Value

-13% vs state

$1,499

Median Rent

1965

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

+5.6%

YoY Change (2024)

267

HPI Index (2000 = 100)

+167%

Total Change Since 2000

Home values in ZIP 12309 have increased 5.6% over the past year (2024). Since 2000, this ZIP has seen +167% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.4% 181
2021 +10.7% 200
2022 +12.8% 226
2023 +11.9% 253
2024 +5.6% 267

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 442 business establishments in ZIP 12309, employing approximately 8,546 people with a combined annual payroll of $767,195,000.

442

Businesses

8,546

Employees

$767.2M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 93 21.0%
Professional, scientific, and technical services 73 16.5%
Retail trade 42 9.5%
Construction 40 9.1%
Other services (except public administration) 39 8.8%
Accommodation and food services 38 8.6%
Finance and insurance 29 6.6%
Administrative and support and waste management and remediation services 26 5.9%
Real estate and rental and leasing 13 2.9%
Wholesale trade 10 2.3%
Manufacturing 8 1.8%
Information 8 1.8%
Educational services 7 1.6%
Arts, entertainment, and recreation 7 1.6%
Transportation and warehousing 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 12309 vs 12304 →

ZIP 12309 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 12309 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 12309 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 12309 ranks #3 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
12148 Rexford, NY 4,569 2.7 mi
12307 Schenectady, NY 7,692 3.3 mi
12308 Schenectady, NY 15,335 3.0 mi
12008 Alplaus, NY 497 4.2 mi
12305 Schenectady, NY 5,716 4.2 mi
12303 Schenectady, NY 29,857 4.4 mi
12205 Albany, NY 26,977 5.9 mi
12084 Guilderland, NY 4,271 6.8 mi
12065 Clifton Park, NY 41,776 5.6 mi

More ZIP Codes in Schenectady County

12303 standard
Schenectady, NY
Pop: 29,857
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 12309 in? ▼
ZIP code 12309 (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 12309? ▼
ZIP code 12309 in Schenectady, NY has a population of 29,343 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12309? ▼
The median household income in ZIP 12309 is $125,274, which is 64% above the national average of $76,288.
What is the average home value in ZIP 12309? ▼
The median home value in ZIP 12309 is $330,700, which is 19% above the national average of $278,155.
What is the demographic makeup of ZIP 12309? ▼
The largest racial group in ZIP 12309 is White at 74.4%. Hispanic or Latino residents make up 6.0% of the population.
How many businesses are in ZIP code 12309? ▼
ZIP code 12309 has 442 business establishments employing approximately 8,546 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12309? ▼
The top industries by establishment count in ZIP 12309 are: Health care and social assistance (93), Professional, scientific, and technical services (73), Retail trade (42). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 12309? ▼
According to the FHFA House Price Index, home values in ZIP 12309 increased by 5.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 167%. 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 12309? ▼
In ZIP code 12309, 74.4% of residents aged 25+ have a high school diploma or higher, and 61.1% 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 12309? ▼
The mean commute time for workers in ZIP code 12309 is 20.9 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 12309? ▼
In ZIP code 12309, approximately 81.7% of occupied housing units are owner-occupied and 18.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12309? ▼
The poverty rate in ZIP code 12309 is 5.2% 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.