Zip code 12303: Schenectady, New York

Q: What city is zip code 12303?

12303 is assigned to Schenectady, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 12303 in?

12303 is mostly in Albany County, but it extends into 1 other county.

Q: What is the population of 12303?

About 29,360 people live in 12303, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 12303?

The median household income in 12303 is $84,375.

Q: What zip codes are near 12303?

The closest zip codes to 12303 are 12304, 12084, 12085, 12307, 12301.

Residential delivery areaAlbany CountyEastern Time

Population

29,360

Median household income

$84K

U.S. $81K

Median home value

$238K

U.S. $333K

Median rent

$1,140/mo

U.S. $1,413

Median age

41.3

U.S. 38.9

Land area

16 sq mi

1,886 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 12303

12303 is a suburban zip code in Schenectady, New York (Albany County), covering 16 sq mi of land. About 29,360 people live here, or 1,886 per square mile. The median resident is 41.3 years old, compared with 38.9 nationally.

The median household earns $84,375 a year, close to the national median of $80,734. 14.2% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $238,100, or 2.8 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 74% of occupied homes are lived in by their owners, and renters pay a median of $1,140 a month.

36% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 22.2 minutes each way, and 16% of workers work from home. The most common jobs among working residents are in office and administrative support; sales; and healthcare.

How 12303 compares

Sorted from highest to lowest national percentile

Rent-burdened renters65.1%
93rd
WeaknessU.S. 51.1% · NY 52.1%255th of 1,579 in NY
Government workers22.2%
90th
U.S. 14.5% · NY 16.4%494th of 1,685 in NY
Tech workers4.1%
69th
U.S. 3.8% · NY 3.5%327th of 1,685 in NY
Median age41.3
67th
U.S. 38.9 · NY 39.81,075th of 1,693 in NY
Residents 65 and older18.9%
67th
U.S. 17.2% · NY 17.9%959th of 1,693 in NY
Median earnings per worker$54,664
67th
U.S. $49,666 · NY $55,321671st of 1,676 in NY
Healthcare workers10.7%
67th
U.S. 9.7% · NY 11.8%745th of 1,685 in NY
Poverty rate14.2%
66th
U.S. 12.5% · NY 14%494th of 1,679 in NY
Work from home15.9%
65th
U.S. 15.1% · NY 14.9%489th of 1,685 in NY
Homeownership rate74.1%
64th
U.S. 65.2% · NY 54.3%1,065th of 1,673 in NY
Diversity index54.3
60th
U.S. 61.4 · NY 65.5331st of 1,693 in NY
Bachelor's degree or higher35.8%
58th
U.S. 35.7% · NY 40.2%714th of 1,691 in NY
Per capita income$42,628
57th
U.S. $44,673 · NY $50,712827th of 1,690 in NY
Income inequality (Gini)0.443
57th
U.S. 0.483 · NY 0.517642nd of 1,669 in NY
Population density1,886/sq mi
56th
U.S. 95/sq mi · NY 421/sq mi457th of 1,693 in NY
Median household income$84,375
56th
U.S. $80,734 · NY $85,974755th of 1,602 in NY
Foreign-born residents11%
54th
U.S. 14.1% · NY 22.8%511th of 1,693 in NY
Veterans6%
52nd
U.S. 6.2% · NY 3.7%756th of 1,693 in NY
Unemployment rate4.8%
49th
U.S. 5.2% · NY 6.4%798th of 1,685 in NY
Population29,360
48th
U.S. 334,922,499 · NY 19,852,366214th of 1,693 in NY
Residents under 1821.8%
47th
U.S. 22% · NY 20.5%556th of 1,693 in NY
Housing vacancy5.7%
41st
U.S. 10.1% · NY 10%1,203rd of 1,675 in NY
Broadband access90.7%
39th
U.S. 91% · NY 90.8%910th of 1,673 in NY
Median gross rent$1,140
32nd
U.S. $1,413 · NY $1,621710th of 1,367 in NY
Median home value$238,100
30th
U.S. $332,700 · NY $423,800846th of 1,614 in NY
Average commute22.2 min
24th
U.S. 26.4 min · NY 32.6 min1,232nd of 1,618 in NY
Uninsured rate3.5%
17th
StrengthU.S. 8.4% · NY 5.1%839th of 1,689 in NY
Self-employed workers6.4%
13th
U.S. 10% · NY 9.7%1,337th of 1,685 in NY

Measure	12303	Albany	NY	U.S.	National percentile	Rank in NY
Rent-burdened rentersWeakness	65.1%	46.8%	52.1%	51.1%	93rd	255th of 1,579
Government workers	22.2%	25.1%	16.4%	14.5%	90th	494th of 1,685
Tech workers	4.1%	5.3%	3.5%	3.8%	69th	327th of 1,685
Median age	41.3	38.4	39.8	38.9	67th	1,075th of 1,693
Residents 65 and older	18.9%	18.2%	17.9%	17.2%	67th	959th of 1,693
Median earnings per worker	$54,664	$55,983	$55,321	$49,666	67th	671st of 1,676
Healthcare workers	10.7%	11.4%	11.8%	9.7%	67th	745th of 1,685
Poverty rate	14.2%	13%	14%	12.5%	66th	494th of 1,679
Work from home	15.9%	15.2%	14.9%	15.1%	65th	489th of 1,685
Homeownership rate	74.1%	56.6%	54.3%	65.2%	64th	1,065th of 1,673
Diversity index	54.3	51.1	65.5	61.4	60th	331st of 1,693
Bachelor's degree or higher	35.8%	46.4%	40.2%	35.7%	58th	714th of 1,691
Per capita income	$42,628	$48,210	$50,712	$44,673	57th	827th of 1,690
Income inequality (Gini)	0.443	0.456	0.517	0.483	57th	642nd of 1,669
Population density	1,886/sq mi	606/sq mi	421/sq mi	95/sq mi	56th	457th of 1,693
Median household income	$84,375	$85,333	$85,974	$80,734	56th	755th of 1,602
Foreign-born residents	11%	12%	22.8%	14.1%	54th	511th of 1,693
Veterans	6%	4.8%	3.7%	6.2%	52nd	756th of 1,693
Unemployment rate	4.8%	5%	6.4%	5.2%	49th	798th of 1,685
Population	29,360	317,018	19,852,366	334,922,499	48th	214th of 1,693
Residents under 18	21.8%	18%	20.5%	22%	47th	556th of 1,693
Housing vacancy	5.7%	8.8%	10%	10.1%	41st	1,203rd of 1,675
Broadband access	90.7%	90.5%	90.8%	91%	39th	910th of 1,673
Median gross rent	$1,140	$1,313	$1,621	$1,413	32nd	710th of 1,367
Median home value	$238,100	$294,600	$423,800	$332,700	30th	846th of 1,614
Average commute	22.2 min	21.4 min	32.6 min	26.4 min	24th	1,232nd of 1,618
Uninsured rateStrength	3.5%	3.2%	5.1%	8.4%	17th	839th of 1,689
Self-employed workers	6.4%	7.2%	9.7%	10%	13th	1,337th of 1,685

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

17%

5–17

18–24

11%

25–34

14%

35–44

11%

45–54

15%

55–64

12%

65–74

75+

Median age

41.3

Under 18

21.8%

65 and over

18.9%

Race and ethnicity

White66%
Black9%
Hispanic9%
Asian6%
Native American0.0%
Pacific Islander0%
Other2%
Multiracial9%

Diversity index

54.3

U.S. 61.4

Foreign-born

11%

U.S. 14.1%

Born in state

75.3%

Language spoken at home (households)

English only

86%

Spanish

Other Indo-European

Asian / Pacific

Other

0.5%

Households

Households: 11,910
Average household size: 2.4
Family households: 62.5%
Married couples: 44.1%
Living alone: 30.8%
Veterans (of adults): 6%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

16%

$25–50k

15%

$50–75k

15%

$75–100k

13%

$100–150k

20%

$150–200k

11%

$200k+

11%

Median household income

12303

$84,375

Albany Co.

$85,333

New York

$85,974

United States

$80,734

Per capita income

$42,628

U.S. $44,673

Poverty rate

14.2%

U.S. 12.5%

Households earning $150K+

21.7%

U.S. 23%

Income inequality (Gini)

0.443

U.S. 0.483

Housing

Median home value

12303

$238,100

Albany Co.

$294,600

New York

$423,800

United States

$332,700

Median gross rent

12303

$1,140

Albany Co.

$1,313

New York

$1,621

United States

$1,413

Types of housing

Single-family

72%

2–4 units

21%

5–19 units

20+ units

Mobile home

0.3%

Boat, RV, van

0.1%

Housing units: 12,626
Owner-occupied: 74.1%
Vacant: 5.7%
Median year built: 1957
Median rooms: 6.1
Renters paying 30%+ of income: 65.1%
Renters paying 50%+ of income: 45%
Home value to income: 2.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

70%

Carpooled

Transit

Walked

0.8%

Bicycle

0.1%

Worked from home

16%

Other

0.5%

Commute time (one way)

<10 min

10%

10–19

33%

20–29

32%

30–44

17%

45–59

60+

Average commute

22.2 min

U.S. 26.4 min

Unemployment

4.8%

U.S. 5.2%

In labor force

61.9%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

14%

Sales

11%

Healthcare

11%

Management

10%

Business and finance

Transportation and moving

Cleaning and personal care

Construction and repair

Engineering and science

Computer and math

Education

Food service

Legal and social services

Production

Police and fire

Arts, media and sports

Farming, fishing and forestry

0.6%

Industries

Retail

16%

Health care and social assistance

15%

Public administration

11%

Education

Professional and technical services

Finance, insurance and real estate

Manufacturing

Construction

Restaurants and hotels

Transportation, warehousing and utilities

Other services

Admin, support and management

Information

Wholesale

Agriculture and mining

Arts and recreation

Median earnings per worker

$54,664

U.S. $49,666

Self-employed

6.4%

U.S. 10%

Government workers

22.2%

U.S. 14.5%

Nonprofit workers

12.1%

U.S. 8.8%

Median earnings by type of work

Type of work	12303	U.S.
Management, business, science and arts	$78,547	$74,888
Service	$30,788	$26,804
Sales and office	$39,759	$40,476
Construction and maintenance	$60,909	$49,199
Production and transportation	$37,917	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

11%

High school

24%

Some college

17%

Associate's

13%

Bachelor's

20%

Graduate

16%

High school graduate or higher: 89.4%
Bachelor's degree or higher: 35.8%
Graduate or professional degree: 15.9%
Households with broadband: 90.7%
Cable, fiber or DSL: 77.9%
No internet access: 7.3%
Without health insurance: 3.5%
Limited-English households: 3.6%

Geography

City (USPS): Schenectady
State: New York
County: Albany County
Center point: 42.7490° N, 73.9297° W
Land area: 16 sq mi
Water area: under 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

12303 spans 2 counties

Albany County71% of land
Schenectady County29% of land

Cities and towns within this zip

Rotterdam (unincorporated)22% of zip
Schenectady7% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 12303

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12304	Schenectady, NY	2.4 mi	22,403	$69,235	$179,200
12084	Guilderland, NY	3.4 mi	5,328	$91,063	$348,600
12085	Guilderland Center, NY	3.8 mi	357	—	$232,800
12307	Schenectady, NY	3.9 mi	7,050	$24,758	$104,600
12301	Schenectady, NY · PO box	4.5 mi	—	—	—
12305	Schenectady, NY	4.5 mi	7,356	$53,326	$217,500
12345	Schenectady, NY · PO box	4.5 mi	—	—	—
12309	Schenectady, NY	4.8 mi	33,246	$125,274	$330,700
12308	Schenectady, NY	5 mi	15,511	$63,434	$211,900
12205	Albany, NY	5.8 mi	25,838	$91,020	$276,600
12203	Albany, NY	6.1 mi	30,771	$83,147	$279,500
12009	Altamont, NY	6.4 mi	7,934	$120,101	$342,900

Zip codes like 12303 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 12303

What city is zip code 12303?

12303 is assigned to Schenectady, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 12303 in?

12303 is mostly in Albany County, but it extends into 1 other county.

What is the population of 12303?

About 29,360 people live in 12303, according to the Census Bureau's American Community Survey.

What time zone is 12303 in?

12303 is in Eastern Time.

What is the median household income in 12303?

The median household income in 12303 is $84,375.

What zip codes are near 12303?

The closest zip codes to 12303 are 12304, 12084, 12085, 12307, 12301.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 12303, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.