Residential delivery area · New York
ZIP Code 12309: Niskayuna (Schenectady), NY
ZIP code 12309 is in Niskayuna (postal name Schenectady), New York, mostly in Schenectady County (82% of its land) with the rest in Albany County (Census 2020 ZIP-county file). About 33,000 people live there (Census Bureau, ACS 2020-2024), the most populous of Schenectady's 8 residential ZIP codes. Median household income is $125,274 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Niskayuna (62%) and Schenectady (7%); 31% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Schenectady · 8 residential ZIPs
- County
- Schenectady County (82%); Albany County (19%)
- Census places
- Niskayuna (62%) census-designated place; Schenectady (7%)
- Metro area
- Albany-Schenectady-Troy, NY
- House district
- NY-20 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 17.6 sq mi · 1,893 people per sq mi
Where is ZIP code 12309?
12309 centers on 42.800°, -73.865° and covers 17.6 square miles of land plus 0.9 of water. It borders 7 ZIP codes: 12148, 12304, 12308, 12008, 12110, 12205, 12211.
The map draws ZIP code areas only. For the streets inside 12309, 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 12309 compare with the rest of Schenectady?
| Measure | 12309 | In Schenectady | In Schenectady County | In NY |
|---|---|---|---|---|
| People (ACS 2020-2024) | 33,246 | 1st of 8 | 1st of 17 | 187th of 1,826 |
| Median household income | $125k | 1st of 7 | 1st of 11 | 207th of 1,081 |
| Median home value | $331k | 1st of 6 | 4th of 12 | 533rd of 1,172 |
Its median household income is higher than in 92% of U.S. residential ZIP codes, and it is denser than 84% 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 12309?
The 2020 Census counted 31,273 people in 12309; the ACS, which samples households over 2020-2024, estimates 33,246. Between the 2010 and 2020 censuses its population grew 6.6% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 33,246
- 2020 Census count
- 31,273+6.6% since 2010 (29,343)
- Households
- 12,767
- Median age
- 41.3
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 12309?
Of the 33,246 people the ACS estimates in 12309, 25.3% are under 18 and 18.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (73.4%).
- Under 1825.3%
- 18 to 6455.8%
- 65 and older18.9%
- White, not Hispanic73.4%
- Asian, not Hispanic8.7%
- Other or two or more6.8%
- Hispanic or Latino6.0%
- Black, not Hispanic5.2%
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 12309 earn?
Median household income is $125,274 (ACS 2020-2024), the highest of the 11 ranked ZIP codes in Schenectady County. It is not measurably different from 2015-2019 ($132,538 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $125,274
- Income per person
- $57,884
- Below the poverty line
- 5.2%
- Unemployed (of the labor force)
- 3.3%
- Adults 25+ with a bachelor's degree
- 61.1%
- Adjusted gross income per tax return, 2022
- $115,75115,740 returns; wages 67% 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 12309?
FHFA's house price index for 12309, built from repeat sales and appraisals of the same homes, rose 70% from 2015 to 2025 and rose 53% from 2020 to 2025, and moved +4.4% in 2025.
- Median home value (owners' estimate)
- $330,700
- Median gross rent
- $1,499
- Homes owned by their occupants
- 81.7%
- Housing units
- 13,610
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 12309?
442 business establishments had a location in this ZIP code in 2023, 25 fewer than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance93
- Professional, scientific, and technical services73
- Retail trade42
- Construction40
- Other services (except public administration)39
- Accommodation and food services38
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 12309?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 12148 | Rexford | 4,023 | $142k | 2.1 mi |
| 12304 | Schenectady | 22,403 | $69k | 2.4 mi |
| 12308 | Schenectady | 15,511 | $63k | 3.2 mi |
| 12008 | Alplaus | 422 | $126k | 4.3 mi |
| 12110 | Latham | 20,081 | $105k | 5.6 mi |
| 12205 | Albany | 25,838 | $91k | 6.0 mi |
| 12211 | Albany | 14,383 | $157k | 8.1 mi |
| 12307 | Schenectady | 7,050 | $25k | 3.5 mi (near) |
| 12305 | Schenectady | 7,356 | $53k | 4.4 mi (near) |
| 12303 | Schenectady | 29,360 | $84k | 4.8 mi (near) |
| 12065 | Clifton Park | 45,116 | $114k | 5.4 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.