12302 ZIP Code — Schenectady, NY
Schenectady County, New York
ZIP code 12302 is located in Schenectady, New York, within Schenectady County. It covers approximately 43.37 square miles and serves a population of 27,915 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.
About ZIP code 12302
The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $223,200. Owner-occupancy sits near the national average at 74%.
Median household income is $89,468. The poverty rate of 5% is below the national average. 39% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 24 minutes is near the national average.
Educational attainment is near the national average, with 41% of residents holding a bachelor's degree or higher.
27,915
population
43.37
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12302 ZIP code map
Cities in ZIP code 12302
Below are the cities the US Postal Service accepts for ZIP code 12302. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Schenectady | Acceptable |
| Schenectady | Acceptable |
| Schenectady | Preferred |
Nearby ZIP codes
12150 Rotterdam Junction (3 mi)
12027 Burnt Hills (5.1 mi)
12345 Schenectady (5.3 mi)
12305 Schenectady (5.3 mi)
12308 Schenectady (5.3 mi)
12019 Ballston Lake (5.7 mi)
12307 Schenectady (6 mi)
12306 Schenectady (6.2 mi)
12137 Pattersonville (7 mi)
12148 Rexford (8.4 mi)
12309 Schenectady (8.8 mi)
12056 Duanesburg (8.9 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 27,915 |
| Population density | 644 / sq mi |
| State FIPS | 36 |
| County FIPS | 093 |
| Geography | |
|---|---|
| Land area | 43.37 sq mi |
| Water area | 1.27 sq mi |
| Latitude | 42.8810 |
| Longitude | -73.9918 |
| Timezone | Eastern (ET) |
| Area code | 518 |
Total population by age
Gender
Race & ethnicity
Economics
updated 06/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 32.8% | 36.1% | 37.0% |
| $50k – $100k | 32.0% | 31.0% | 27.0% |
| $100k – $200k | 29.4% | 26.6% | 24.4% |
| Over $200k | 5.8% | 6.4% | 11.5% |
Demographics & statistics
27,915
Population
644
People per sq mi
42.0
Median age
$89,468
Median household income
$44,412
Per capita income
$223,200
Median home value
$1,193
Median monthly rent
74.0%
Home ownership
4.8%
Poverty rate
4.4%
Unemployment
9,376
Housing units
41.2%
Bachelor's or higher
Age distribution
Male
Female
712
Under 5
774
833
5–9
906
868
10–14
944
857
15–19
932
724
20–24
787
1,534
25–34
1,669
1,685
35–44
1,833
1,521
45–54
1,655
886
55–59
964
772
60–64
841
1,565
65–74
1,702
868
75–84
944
545
85+
594
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 6,167 | 22.1% |
| 18 and over | 21,748 | 77.9% |
| 65 and over | 6,218 | 22.3% |
| Median age | 42.0 years | |
Race & ethnicity
White
90.3%
Two or more races
4.3%
Hispanic or Latino
2.5%
Asian
1.5%
Black or African American
0.9%
Other race
0.4%
American Indian / Alaska Native
0.2%
| Group | Count | % |
|---|---|---|
| White | 25,835 | 90.3% |
| Two or more races | 1,239 | 4.3% |
| Hispanic or Latino | 705 | 2.5% |
| Asian | 421 | 1.5% |
| Black or African American | 252 | 0.9% |
| Other race | 106 | 0.4% |
| American Indian / Alaska Native | 62 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 32.8% | 36.1% | 37.0% |
| $50k – $100k | 32.0% | 31.0% | 27.0% |
| $100k – $200k | 29.4% | 26.6% | 24.4% |
| Over $200k | 5.8% | 6.4% | 11.5% |
Under $10k
1.9%
$10k–$15k
2.1%
$15k–$25k
5.8%
$25k–$35k
7.1%
$35k–$50k
10.3%
$50k–$75k
14.0%
$75k–$100k
14.3%
$100k–$150k
21.9%
$150k–$200k
11.5%
$200k+
11.1%
| Range | % of households |
|---|---|
| Under $10k | 1.9% |
| $10k–$15k | 2.1% |
| $15k–$25k | 5.8% |
| $25k–$35k | 7.1% |
| $35k–$50k | 10.3% |
| $50k–$75k | 14.0% |
| $75k–$100k | 14.3% |
| $100k–$150k | 21.9% |
| $150k–$200k | 11.5% |
| $200k+ | 11.1% |
| Median income | $89,468 |
Housing
Home values
Under $50k
2.2%
$50k–$100k
3.1%
$100k–$150k
7.1%
$150k–$200k
28.6%
$200k–$300k
39.5%
$300k–$500k
15.9%
$500k–$1M
2.5%
$1M+
1.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $223,200 |
| Median rent / month | $1,193 |
| Owner occupied | 74.0% |
| Renter occupied | 26.0% |
| Vacant | 9.7% |
| Single-family detached | 69.5% |
| Large apartment buildings | 5.1% |
| Mobile homes | 2.0% |
| Median rooms | 6.2 |
| Avg household size (owned) | 2.76 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 4.9% |
| 2000–2009 | 9.3% |
| 1990–1999 | 5.7% |
| 1980–1989 | 8.4% |
| 1970–1979 | 10.0% |
| 1960–1969 | 9.7% |
| 1950–1959 | 19.9% |
| 1940–1949 | 7.7% |
| 1939 or earlier | 24.4% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.5% |
| 1 bedroom | 10.9% |
| 2 bedrooms | 22.1% |
| 3 bedrooms | 39.5% |
| 4 bedrooms | 23.4% |
| 5+ bedrooms | 3.6% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 6.5% |
| 1 vehicle | 34.4% |
| 2 vehicles | 41.4% |
| 3 or more | 17.7% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 65.0% |
| Electricity | 15.3% |
| Propane / LP gas | 6.7% |
| Fuel oil | 9.2% |
| Wood | 1.3% |
| Solar | 0.1% |
| No fuel used | 2.0% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 5,496 | 49.7% |
| Cohabiting couple | 880 | 8.0% |
| Male householder, no spouse | 1,575 | 14.2% |
| Female householder, no spouse | 3,110 | 28.1% |
| Households with children under 18 | 3,061 | 27.7% |
| Households with seniors (65+) | 4,047 | 36.6% |
| Average household size | 2.47 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 32.0% | 26.6% |
| Married | 53.0% | 47.1% |
| Separated | 1.0% | 1.7% |
| Widowed | 2.4% | 12.8% |
| Divorced | 11.7% | 11.8% |
Education
Less than 9th grade
1.8%
Some HS, no diploma
3.6%
HS graduate
23.6%
Some college, no degree
18.0%
Associate's degree
11.8%
Bachelor's degree
23.4%
Graduate / professional
17.8%
| Metric | % |
|---|---|
| HS diploma or higher | 94.6% |
| Bachelor's or higher | 41.2% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 339 | 5.4% |
| Kindergarten | 337 | 5.3% |
| Elementary school | 2,917 | 46.2% |
| High school | 1,441 | 22.8% |
| College / grad school | 1,278 | 20.2% |
Employment
Industry of employment
Education & healthcare
27.0%
Retail trade
11.7%
Professional & management
10.4%
Public administration
9.4%
Manufacturing
8.6%
Finance & real estate
7.2%
Other services
5.9%
Construction
5.3%
Arts, food & hospitality
5.1%
Transportation & utilities
4.5%
Wholesale trade
1.6%
Information
1.6%
Agriculture & mining
1.5%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 48.1% |
| Service | 12.1% |
| Sales & office | 23.2% |
| Natural resources & construction | 8.2% |
| Production & transportation | 8.5% |
Employment type
| Type | % |
|---|---|
| Private sector | 74.5% |
| Government | 21.3% |
| Self-employed | 4.1% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 78.9% |
| Carpool | 5.9% |
| Public transit | 1.3% |
| Walk | 1.9% |
| Work from home | 11.2% |
| Other means | 0.9% |
| Avg commute (minutes) | 24.3 |
Poverty
All people
4.8%
Under 18 years
6.0%
18 and over
4.4%
Married-couple families
0.7%
Female-led households
12.2%
Income support
| Source | % of households |
|---|---|
| Social Security | 39.1% |
| Retirement income | 36.3% |
| Supplemental Security | 3.8% |
| Cash public assistance | 3.0% |
| Food stamps / SNAP | 6.2% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 25.7% |
| High blood pressure | 31.1% |
| High cholesterol | 34.1% |
| Diabetes | 8.5% |
| Heart disease | 6.3% |
| Stroke | 2.8% |
| Asthma | 9.4% |
| Arthritis | 23.4% |
| Kidney disease | 2.8% |
| Pulmonary disease | 6.1% |
| Cancer | 7.9% |
| Behavior / access | % |
|---|---|
| Smoking | 12.8% |
| Binge drinking | 17.0% |
| No physical activity | 19.5% |
| Less than 7 hrs sleep | 30.0% |
| Depression | 19.8% |
| Fair or poor health | 10.0% |
| Poor mental health | 12.6% |
| Poor physical health | 8.7% |
| No health insurance | 8.4% |
| Visited doctor (checkup) | 79.4% |
| Visited dentist | 71.6% |
| Cholesterol screening | 92.7% |
| Teeth loss | 10.7% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,367 | 6.3% |
| Disability | % |
|---|---|
| Any disability | 13.2% |
| Under 18 | 3.2% |
| 18–64 years | 8.9% |
| 65 and over | 35.3% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 80.5% |
| Public insurance | 34.7% |
| No insurance | 2.0% |
| Uninsured under 19 | 0.3% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 26,429 | 94.7% |
| Spanish | 440 | 1.7% |
| Other Indo-European | 145 | 0.5% |
| Asian & Pacific Islander | 71 | 0.3% |
| Other languages | 224 | 0.8% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 26,873 | 96.3% |
| Born in same state | 26,676 | 95.6% |
| Born in different state | 22,280 | 79.8% |
| Foreign born | 197 | 0.7% |
| Naturalized citizen | 1,042 | 3.7% |
| Not a US citizen | 827 | 79.4% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 6,610 | 23.7% |
| French | 3,666 | 13.1% |
| Arab | 1,215 | 4.4% |
| English | 780 | 2.8% |
| German | 420 | 1.5% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 209 | 0.7% |
| Irish | 171 | 0.6% |
| Norwegian | 157 | 0.6% |
| Dutch | 68 | 0.2% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 39.6% |
| Internet access | 94.1% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 12302
What city is ZIP code 12302 in?
ZIP code 12302 is primarily assigned to Schenectady, New York.
What county is ZIP code 12302 in?
ZIP code 12302 falls within Schenectady County, New York.
Does ZIP code 12302 have a large retiree population?
39% of households in ZIP code 12302 receive Social Security income, suggesting a significant retiree or disability population.
What is the population of ZIP code 12302?
ZIP code 12302 has an estimated population of 27,915 residents, with a density of 644 people per square mile.
What is the median household income in ZIP code 12302?
The median household income in ZIP code 12302 is $89,468, above the national median of ~$75,000.
What is the typical home value in ZIP code 12302?
The median home value in ZIP code 12302 is $223,200.
What timezone is ZIP code 12302 in?
ZIP code 12302 observes the EST timezone.