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ZIP Code · NY

ZIP 12305

Pop. 7,356·Schenectady County·330th most expensive ZIP in New York
Median rent (all units)
$1,253/mo
Year-over-Year
-11.8%
Month-over-Month
+6.0%
vs US Median
-$712
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 12305 · $1,253
More affordable than 89% of US ZIP codes · National median $1,965/mo
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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: July 20, 2026

Annual cost
$15,036/yr
At $1,253/mo median
Location
StateNY
CountySchenectady County
Rent Market Meter
Balanced Market
Renter's MarketBalancedLandlord's Market
Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.
Based on rent-price momentum (-11.8% YoY, +6.0% 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

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About renting in ZIP 12305

Last updated: July 20, 2026

ZIP code 12305 covers Schenectady, NY. The median rent here is $1,253/mo as of July 2026. A 1-bedroom rents for a median of $1,200/mo. A 2-bedroom rents for a median of $1,440/mo.

At 28% of local median household income ($53,326/yr), ZIP 12305 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 11.8% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 12305?

As of July 20, 2026, the median monthly rent in ZIP 12305 (Schenectady, NY) is $1,253. This is based on aggregated data from public sources and community submissions.

How does ZIP 12305 rent compare to the US average?

ZIP 12305's median rent of $1,253/mo is $712 (36%) below the US national median of $1,965/mo.

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

ZIP 12305 is among the more affordable ZIP codes in New York, ranking #330 out of 344 ZIPs at $1,253/mo.

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 $50,000/year (~$24/hour full-time) to afford the median rent of $1,253/mo in ZIP 12305. The local median household income is $53,326/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 12305?

Rent in ZIP 12305 has decreased 11.8% over the past year as of July 20, 2026, offering some relief compared to 12 months ago.

Is ZIP 12305 an affordable place to rent?

ZIP 12305 is considered affordable for renters. At $1,253/mo, rent takes approximately 28% of the local median household income ($53,326/yr). The standard benchmark is 30%. ZIP 12305 falls comfortably within that range.

What percentage of ZIP 12305 residents rent vs. own?

According to Census data, approximately 85.4% of ZIP 12305 households are renters, while 14.6% are owner-occupied. With a majority renter population, ZIP 12305 has a strong rental market.

How does ZIP 12305 compare to the rest of Schenectady?

ZIP 12305 is more affordable than Schenectady overall. At $1,253/mo, it's $236 below the Schenectady citywide median of $1,489/mo.

When was rent data for ZIP 12305 last updated?

Rent data for ZIP 12305 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
28%
AFFORDABLE

At $1,253/mo, rent takes ~28% of ZIP 12305's median household income ($53,326/yr). The standard benchmark is 30%.

ZIP 12305 28%Benchmark 30%
State income tax4–10.9%
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Schools nearby

Public schools near ZIP 12305 (Schenectady, NY)

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