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ZIP Code · NY

ZIP 12306

Pop. 27,865·Schenectady County·253rd most expensive ZIP in New York
Median rent (all units)
$1,755/mo
Year-over-Year
Stable
Month-over-Month
+6.5%
vs US Median
-$210
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 12306 · $1,755
More affordable than 55% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,150
1 BR
$1,340
2 BR
$1,610
3 BR
$1,930
4 BR+
$2,130
Research median
$1,610/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
$21,060/yr
At $1,755/mo median
Location
StateNY
CountySchenectady County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 0.0% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+0.0% YoY, +6.5% MoM), not inventory.
Demographics

Who lives here

ZIP 12306 (Schenectady, NY) is majority owner-occupied, 29.8% of residents hold a bachelor's degree or higher.

Population
27,865
Median income
$83,202
Median age
38.9
Renters
31.4%
Age distribution
21.5%
23.3%
24.9%
13.6%
16.7%
Under 1821.5%
18–3423.3%
35–5424.9%
55–6413.6%
65+16.7%
Gender
50.4%
49.6%
Male50.4%
Female49.6%
Race & ethnicity
79.5%
White79.5%
Black5.4%
Hispanic8.1%
Asian2.5%
Other4.4%
Education (25+)
28.7%
36.1%
29.8%
No HS diploma5.3%
HS diploma28.7%
Some college36.1%
Bachelor's+29.8%
Housing tenure
68.6%
31.4%
Owner68.6%
Renter31.4%

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

2021 vs 2026

How ZIP 12306 in Schenectady, NY has changed in 5 years

Income
$71,859 → $83,202
up 15.8%
Population
27,352 → 27,865
up 1.9%
Renter share
27.7% → 31.4%
+3.7 pts
Bachelor's+
26.4% → 29.8%
+3.4 pts
Median age
41.3 → 38.9
-2.4 yrs

On the earnings side, the typical household in ZIP 12306 in Schenectady, NY now reports about $83,202, up from $71,859 in 2021. Census counts show ZIP 12306 in Schenectady, NY adding about 513 residents over the five-year window, up 1.9% on net. The renter share has risen from 27.7% to 31.4%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 26.4% to 29.8% across the same window.

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Local insights

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About renting in ZIP 12306

Last updated: July 20, 2026

ZIP code 12306 covers Schenectady, NY. The median rent here is $1,755/mo as of July 2026. A 1-bedroom rents for a median of $1,340/mo. A 2-bedroom rents for a median of $1,610/mo.

At 25% of local median household income ($83,202/yr), ZIP 12306 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 12306?

As of July 20, 2026, the median monthly rent in ZIP 12306 (Schenectady, NY) is $1,755. This is based on aggregated data from public sources and community submissions.

How does ZIP 12306 rent compare to the US average?

ZIP 12306's median rent of $1,755/mo is $210 (11%) below the US national median of $1,965/mo.

How does ZIP 12306 compare to other ZIPs in New York?

ZIP 12306 is among the more affordable ZIP codes in New York, ranking #253 out of 344 ZIPs at $1,755/mo.

How much income do you need to rent in ZIP 12306?

To keep rent at or below 30% of gross income, you would need to earn at least $70,000/year (~$34/hour full-time) to afford the median rent of $1,755/mo in ZIP 12306. The local median household income is $83,202/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 12306?

Rent in ZIP 12306 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 12306 an affordable place to rent?

ZIP 12306 is considered affordable for renters. At $1,755/mo, rent takes approximately 25% of the local median household income ($83,202/yr). The standard benchmark is 30%. ZIP 12306 falls comfortably within that range.

What percentage of ZIP 12306 residents rent vs. own?

According to Census data, approximately 31.4% of ZIP 12306 households are renters, while 68.6% are owner-occupied. ZIP 12306 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 12306 compare to the rest of Schenectady?

ZIP 12306 is pricier than Schenectady as a whole. At $1,755/mo, it's $266 above the Schenectady citywide median of $1,489/mo.

When was rent data for ZIP 12306 last updated?

Rent data for ZIP 12306 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
25%
AFFORDABLE

At $1,755/mo, rent takes ~25% of ZIP 12306's median household income ($83,202/yr). The standard benchmark is 30%.

ZIP 12306 25%Benchmark 30%
State income tax4–10.9%
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Schools nearby

Public schools near ZIP 12306 (Schenectady, NY)

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