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ZIP Code · NY

ZIP 12302

Pop. 28,031·Schenectady County·275th most expensive ZIP in New York
Median rent (all units)
$1,573/mo
Year-over-Year
Stable
Month-over-Month
-6.7%
vs US Median
-$392
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 12302 · $1,573
More affordable than 68% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,210
1 BR
$1,410
2 BR
$1,690
3 BR
$2,030
4 BR+
$2,240
Research median
$1,690/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: June 22, 2026

Annual cost
$18,876/yr
At $1,573/mo median
Location
StateNY
CountySchenectady County
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 0.0% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (+0.0% YoY, -6.7% MoM), not inventory.
Demographics

Who lives here

ZIP 12302 (Schenectady, NY) is majority owner-occupied, has a large retiree population, has a median income above the national average, 42% of residents hold a bachelor's degree or higher.

Population
28,031
Median income
$98,163
Median age
43.3
Renters
24.2%
Age distribution
21%
19.4%
24.7%
12%
22.8%
Under 1821%
18–3419.4%
35–5424.7%
55–6412%
65+22.8%
Gender
47.4%
52.6%
Male47.4%
Female52.6%
Race & ethnicity
90.8%
White90.8%
Black1.5%
Hispanic2.8%
Asian1.6%
Other3.2%
Education (25+)
22.5%
31.2%
42%
No HS diploma4.3%
HS diploma22.5%
Some college31.2%
Bachelor's+42%
Housing tenure
75.8%
24.2%
Owner75.8%
Renter24.2%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 12302 in Schenectady, NY has changed in 5 years

Income
$83,692 → $98,163
up 17.3%
Population
27,701 → 28,031
up 1.2%
Renter share
25.3% → 24.2%
-1.1 pts
Bachelor's+
39.9% → 42%
+2.1 pts
Median age
42.2 → 43.3
+1.1 yrs

Local incomes tracked alongside that move, going from a median of $83,692 in 2021 to $98,163 more recently. The population has grown by 1.2% since 2021, moving from about 27,701 residents to roughly 28,031. College-educated residents now make up 42% of adults here, versus 39.9% in 2021.

Community

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Local insights

Tips for renters in ZIP 12302

About renting in ZIP 12302

Last updated: June 22, 2026

ZIP code 12302 covers Schenectady, NY. The median rent here is $1,573/mo as of June 2026. A 1-bedroom rents for a median of $1,410/mo. A 2-bedroom rents for a median of $1,690/mo.

At 19% of local median household income ($98,163/yr), ZIP 12302 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 12302?

As of June 22, 2026, the median monthly rent in ZIP 12302 (Schenectady, NY) is $1,573. This is based on aggregated data from public sources and community submissions.

How does ZIP 12302 rent compare to the US average?

ZIP 12302's median rent of $1,573/mo is $392 (20%) below the US national median of $1,965/mo.

How does ZIP 12302 compare to other ZIPs in New York?

ZIP 12302 is among the more affordable ZIP codes in New York, ranking #275 out of 341 ZIPs at $1,573/mo.

How much income do you need to rent in ZIP 12302?

To keep rent at or below 30% of gross income, you would need to earn at least $63,000/year (~$30/hour full-time) to afford the median rent of $1,573/mo in ZIP 12302. The local median household income is $98,163/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 12302?

Rent in ZIP 12302 has been relatively stable over the past year, with a 0.0% change year over year as of June 22, 2026.

Is ZIP 12302 an affordable place to rent?

ZIP 12302 is considered very affordable for renters. At $1,573/mo, rent takes approximately 19% of the local median household income ($98,163/yr). The standard benchmark is 30%. ZIP 12302 falls comfortably within that range.

What percentage of ZIP 12302 residents rent vs. own?

According to Census data, approximately 24.2% of ZIP 12302 households are renters, while 75.8% are owner-occupied. ZIP 12302 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 12302 compare to the rest of Schenectady?

ZIP 12302 is pricier than Schenectady as a whole. At $1,573/mo, it's $84 above the Schenectady citywide median of $1,489/mo.

When was rent data for ZIP 12302 last updated?

Rent data for ZIP 12302 reflects June 22, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
19%
VERY AFFORDABLE

At $1,573/mo, rent takes ~19% of ZIP 12302's median household income ($98,163/yr). The standard benchmark is 30%.

ZIP 12302 19%Benchmark 30%
State income tax4–10.9%
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Public schools near ZIP 12302 (Schenectady, NY)

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