ZIP Code · NY

ZIP 12305

Part of Schenectady, NY

Pop. 7,356·Schenectady County·294th most expensive ZIP in New York

Median rent (all units)

$1,403/mo

Year-over-Year

+5.7%

Month-over-Month

+0.3%

vs US Median

-$529

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 12305 · $1,403

More affordable than 80% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,030

1 BR

$1,200

2 BR

$1,440

3 BR

$1,730

4 BR+

$1,910

Research median

$1,440/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: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of New York

Rent in ZIP 12305 changed +5.7% over the year to September 2026. Across the 251 New York ZIP codes Zillow tracks, the typical change was +5.6%.

Recent direction

Rent has risen 5 months in a row, and rose in 10 of the last 12 months.

What a typical income covers

30% of the median household income ($53,326) is $1,333 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($1,200); a 2-bedroom is $1,440.

Rank in Schenectady

1st cheapest of 4 ZIP codes in Schenectady.

From Zillow's monthly rent index (ZORI) for ZIP 12305. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$16,836/yr

At $1,403/mo median

Location

CitySchenectady

StateNY

CountySchenectady County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 5.7% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+5.7% YoY, +0.3% MoM), not inventory.

Demographics

Who lives here

ZIP 12305 (Schenectady, NY) is majority renter-occupied, skews toward younger working-age adults, has a median income below the national average, 39.5% of residents hold a bachelor's degree or higher.

Population

7,356

Median income

$53,326

Median age

35.3

Renters

85.4%

Age distribution

44%

26.4%

13%

Under 185.5%

18–3444%

35–5426.4%

55–6411.1%

65+13%

Gender

50.5%

49.5%

Male50.5%

Female49.5%

Race & ethnicity

60.5%

18.1%

White60.5%

Black18.1%

Hispanic10.3%

Asian4.7%

Other6.4%

Education (25+)

23.4%

25.8%

39.5%

No HS diploma11.4%

HS diploma23.4%

Some college25.8%

Bachelor's+39.5%

Housing tenure

14.6%

85.4%

Owner14.6%

Renter85.4%

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

2021 vs 2026

How ZIP 12305 in Schenectady, NY has changed in 5 years

Income

$46,367 → $53,326

up 15.0%

Population

6,947 → 7,356

up 5.9%

Renter share

85.6% → 85.4%

-0.2 pts

Bachelor's+

32.5% → 39.5%

+7.0 pts

Local incomes tracked alongside that move, going from a median of $46,367 in 2021 to $53,326 more recently. The population has grown by 5.9% since 2021, moving from about 6,947 residents to roughly 7,356. College-educated residents now make up 39.5% of adults here, versus 32.5% in 2021.

Community

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Local insights

Tips for renters in ZIP 12305

About renting in ZIP 12305

Last updated: October 17, 2026

ZIP code 12305 covers Schenectady, NY. The median rent here is $1,403/mo as of October 2026. A 1-bedroom rents for a median of $1,200/mo. A 2-bedroom rents for a median of $1,440/mo.

At 32% of local median household income ($53,326/yr), ZIP 12305 ranks as moderate compared to the national benchmark of 30%. Rents have increased 5.7% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 12305?

To keep rent at or below 30% of gross income, you would need to earn at least $56,000/year (about $27/hour full-time) to afford the median rent of $1,403/mo in ZIP 12305. The local median household income is $53,326/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 12305?

Rent in ZIP 12305 has risen 5.7% over the past year.

How does ZIP 12305 compare to other ZIPs in New York?

ZIP 12305 is one of the more affordable among New York ZIP codes for rent, ranking #294 of 334 at $1,403/mo. Over the year to September 2026, rent in ZIP 12305 changed +5.7%, against a typical +5.6% across the 251 New York ZIP codes Zillow tracks.