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ZIP Code · NY

ZIP 12309

Pop. 33,246·Schenectady County·273rd most expensive ZIP in New York
Median rent (all units)
$1,586/mo
Year-over-Year
-0.3%
Month-over-Month
-0.5%
vs US Median
-$379
Stable (Monthly)
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Most AffordableMost Expensive
ZIP 12309 · $1,586
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
$1,370
1 BR
$1,590
2 BR
$1,910
3 BR
$2,290
4 BR+
$2,530
Research median
$1,910/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
$19,032/yr
At $1,586/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 (-0.3% YoY, -0.5% MoM), not inventory.
Demographics

Who lives here

ZIP 12309 (Schenectady, NY) is majority owner-occupied, has a large share of families with children, has a median income above the national average, 61.1% of residents hold a bachelor's degree or higher.

Population
33,246
Median income
$125,274
Median age
41.3
Renters
18.3%
Age distribution
25.3%
15.6%
27.2%
13.1%
18.9%
Under 1825.3%
18–3415.6%
35–5427.2%
55–6413.1%
65+18.9%
Gender
50.8%
49.2%
Male50.8%
Female49.2%
Race & ethnicity
74.4%
White74.4%
Black6.1%
Hispanic6%
Asian8.7%
Other4.8%
Education (25+)
13.3%
22%
61.1%
No HS diploma3.6%
HS diploma13.3%
Some college22%
Bachelor's+61.1%
Housing tenure
81.7%
18.3%
Owner81.7%
Renter18.3%

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

2021 vs 2026

How ZIP 12309 in Schenectady, NY has changed in 5 years

Income
$111,830 → $125,274
up 12.0%
Population
33,172 → 33,246
up 0.2%
Renter share
18.5% → 18.3%
-0.2 pts
Bachelor's+
56.1% → 61.1%
+5.0 pts
Median age
41.9 → 41.3
-0.6 yrs

On the earnings side, the typical household in ZIP 12309 in Schenectady, NY now reports about $125,274, up from $111,830 in 2021. Bachelor's-degree-or-higher attainment moved from 56.1% to 61.1% across the same window.

Community

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Local insights

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About renting in ZIP 12309

Last updated: July 20, 2026

ZIP code 12309 covers Schenectady, NY. The median rent here is $1,586/mo as of July 2026. A 1-bedroom rents for a median of $1,590/mo. A 2-bedroom rents for a median of $1,910/mo.

At 15% of local median household income ($125,274/yr), ZIP 12309 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 0.3% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 12309?

As of July 20, 2026, the median monthly rent in ZIP 12309 (Schenectady, NY) is $1,586. This is based on aggregated data from public sources and community submissions.

How does ZIP 12309 rent compare to the US average?

ZIP 12309's median rent of $1,586/mo is $379 (19%) below the US national median of $1,965/mo.

How does ZIP 12309 compare to other ZIPs in New York?

ZIP 12309 is among the more affordable ZIP codes in New York, ranking #273 out of 344 ZIPs at $1,586/mo.

How much income do you need to rent in ZIP 12309?

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 $1,586/mo in ZIP 12309. The local median household income is $125,274/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 12309?

Rent in ZIP 12309 has been relatively stable over the past year, with a 0.3% change year over year as of July 20, 2026.

Is ZIP 12309 an affordable place to rent?

ZIP 12309 is considered very affordable for renters. At $1,586/mo, rent takes approximately 15% of the local median household income ($125,274/yr). The standard benchmark is 30%. ZIP 12309 falls comfortably within that range.

What percentage of ZIP 12309 residents rent vs. own?

According to Census data, approximately 18.3% of ZIP 12309 households are renters, while 81.7% are owner-occupied. ZIP 12309 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 12309 compare to the rest of Schenectady?

ZIP 12309 is pricier than Schenectady as a whole. At $1,586/mo, it's $97 above the Schenectady citywide median of $1,489/mo.

When was rent data for ZIP 12309 last updated?

Rent data for ZIP 12309 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
15%
VERY AFFORDABLE

At $1,586/mo, rent takes ~15% of ZIP 12309's median household income ($125,274/yr). The standard benchmark is 30%.

ZIP 12309 15%Benchmark 30%
State income tax4–10.9%
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Schools nearby

Public schools near ZIP 12309 (Schenectady, NY)

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