12303 ZIP Code — Schenectady, NY
Schenectady County, New York
ZIP code 12303 is located in Schenectady, New York, within Schenectady County. It covers approximately 15.57 square miles and serves a population of 29,680 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.
About ZIP code 12303
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 $217,200. Owner-occupancy sits near the national average at 74%.
Median household income is $77,917. 36% 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 23 minutes is near the national average.
Educational attainment is near the national average, with 33% of residents holding a bachelor's degree or higher.
29,680
population
15.57
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12303 ZIP code map
Cities in ZIP code 12303
Below are the cities the US Postal Service accepts for ZIP code 12303. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Schenectady | Acceptable |
| Schenectady | Preferred |
Nearby ZIP codes
12304 Schenectady (1.2 mi)
12307 Schenectady (3.6 mi)
12309 Schenectady (3.7 mi)
12084 Guilderland (3.8 mi)
12305 Schenectady (4.3 mi)
12345 Schenectady (4.3 mi)
12085 Guilderland Center (4.6 mi)
12308 Schenectady (4.8 mi)
12205 Albany (5.6 mi)
12203 Albany (6.4 mi)
12110 Latham (6.7 mi)
12306 Schenectady (6.9 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 29,680 |
| Population density | 1,906 / sq mi |
| State FIPS | 36 |
| County FIPS | 093 |
| Geography | |
|---|---|
| Land area | 15.57 sq mi |
| Water area | 0.02 sq mi |
| Latitude | 42.7552 |
| Longitude | -73.9135 |
| 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 | 35.9% | 36.1% | 37.0% |
| $50k – $100k | 30.3% | 31.0% | 27.0% |
| $100k – $200k | 26.8% | 26.6% | 24.4% |
| Over $200k | 7.0% | 6.4% | 11.5% |
Demographics & statistics
29,680
Population
1,906
People per sq mi
40.4
Median age
$77,917
Median household income
$40,022
Per capita income
$217,200
Median home value
$1,056
Median monthly rent
73.7%
Home ownership
12.5%
Poverty rate
5.8%
Unemployment
9,802
Housing units
32.6%
Bachelor's or higher
Age distribution
Male
Female
614
Under 5
648
897
5–9
946
1,049
10–14
1,106
1,012
15–19
1,067
983
20–24
1,036
1,676
25–34
1,767
1,805
35–44
1,901
1,698
45–54
1,789
1,052
55–59
1,108
942
60–64
993
1,680
65–74
1,771
795
75–84
838
247
85+
260
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 6,282 | 21.2% |
| 18 and over | 23,398 | 78.8% |
| 65 and over | 5,591 | 18.8% |
| Median age | 40.4 years | |
Race & ethnicity
White
64.4%
Black or African American
9.3%
Hispanic or Latino
8.8%
Two or more races
8%
Other race
5.1%
Asian
4.2%
Native Hawaiian / Pacific Islander
0.1%
| Group | Count | % |
|---|---|---|
| White | 20,965 | 64.4% |
| Black or African American | 3,035 | 9.3% |
| Hispanic or Latino | 2,853 | 8.8% |
| Two or more races | 2,590 | 8% |
| Other race | 1,675 | 5.1% |
| Asian | 1,371 | 4.2% |
| Native Hawaiian / Pacific Islander | 33 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 35.9% | 36.1% | 37.0% |
| $50k – $100k | 30.3% | 31.0% | 27.0% |
| $100k – $200k | 26.8% | 26.6% | 24.4% |
| Over $200k | 7.0% | 6.4% | 11.5% |
Under $10k
3.6%
$10k–$15k
4.6%
$15k–$25k
7.2%
$25k–$35k
8.5%
$35k–$50k
8.7%
$50k–$75k
15.6%
$75k–$100k
12.4%
$100k–$150k
21.2%
$150k–$200k
8.5%
$200k+
9.5%
| Range | % of households |
|---|---|
| Under $10k | 3.6% |
| $10k–$15k | 4.6% |
| $15k–$25k | 7.2% |
| $25k–$35k | 8.5% |
| $35k–$50k | 8.7% |
| $50k–$75k | 15.6% |
| $75k–$100k | 12.4% |
| $100k–$150k | 21.2% |
| $150k–$200k | 8.5% |
| $200k+ | 9.5% |
| Median income | $77,917 |
Housing
Home values
Under $50k
2.0%
$50k–$100k
8.3%
$100k–$150k
10.8%
$150k–$200k
22.3%
$200k–$300k
27.5%
$300k–$500k
22.7%
$500k–$1M
5.9%
$1M+
0.4%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $217,200 |
| Median rent / month | $1,056 |
| Owner occupied | 73.7% |
| Renter occupied | 26.3% |
| Vacant | 8.9% |
| Single-family detached | 66.4% |
| Large apartment buildings | 3.7% |
| Mobile homes | 0.2% |
| Median rooms | 6.0 |
| Avg household size (owned) | 2.53 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 2.4% |
| 2000–2009 | 6.9% |
| 1990–1999 | 8.0% |
| 1980–1989 | 8.3% |
| 1970–1979 | 8.0% |
| 1960–1969 | 9.7% |
| 1950–1959 | 20.0% |
| 1940–1949 | 12.3% |
| 1939 or earlier | 24.4% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.1% |
| 1 bedroom | 7.9% |
| 2 bedrooms | 25.0% |
| 3 bedrooms | 37.1% |
| 4 bedrooms | 26.6% |
| 5+ bedrooms | 3.3% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 9.4% |
| 1 vehicle | 36.8% |
| 2 vehicles | 37.8% |
| 3 or more | 16.0% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 77.5% |
| Electricity | 13.2% |
| Propane / LP gas | 1.6% |
| Fuel oil | 6.1% |
| Wood | 0.6% |
| No fuel used | 0.8% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 5,307 | 45.2% |
| Cohabiting couple | 1,083 | 9.2% |
| Male householder, no spouse | 1,922 | 16.4% |
| Female householder, no spouse | 3,428 | 29.2% |
| Households with children under 18 | 3,225 | 27.5% |
| Households with seniors (65+) | 4,057 | 34.6% |
| Average household size | 2.50 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 37.8% | 31.9% |
| Married | 47.6% | 44.8% |
| Separated | 1.8% | 3.1% |
| Widowed | 3.7% | 8.1% |
| Divorced | 9.1% | 12.1% |
Education
Less than 9th grade
3.4%
Some HS, no diploma
5.1%
HS graduate
27.8%
Some college, no degree
16.8%
Associate's degree
14.3%
Bachelor's degree
18.3%
Graduate / professional
14.3%
| Metric | % |
|---|---|
| HS diploma or higher | 91.5% |
| Bachelor's or higher | 32.6% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 305 | 4.2% |
| Kindergarten | 289 | 4.0% |
| Elementary school | 3,300 | 45.9% |
| High school | 1,713 | 23.8% |
| College / grad school | 1,578 | 22.0% |
Employment
Industry of employment
Education & healthcare
25.4%
Retail trade
16.1%
Professional & management
10.4%
Public administration
9.5%
Finance & real estate
7.3%
Construction
6.0%
Arts, food & hospitality
5.7%
Manufacturing
5.5%
Transportation & utilities
4.7%
Other services
3.4%
Information
3.3%
Wholesale trade
1.5%
Agriculture & mining
1.0%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 42.0% |
| Service | 12.8% |
| Sales & office | 26.6% |
| Natural resources & construction | 8.2% |
| Production & transportation | 10.4% |
Employment type
| Type | % |
|---|---|
| Private sector | 75.0% |
| Government | 20.3% |
| Self-employed | 4.2% |
| Unpaid family workers | 0.5% |
Commute
| Method | % |
|---|---|
| Drive alone | 72.5% |
| Carpool | 8.6% |
| Public transit | 4.6% |
| Walk | 1.0% |
| Work from home | 12.4% |
| Other means | 0.9% |
| Avg commute (minutes) | 22.5 |
Poverty
All people
12.5%
Under 18 years
16.3%
18 and over
11.5%
Married-couple families
3.5%
Female-led households
21.7%
Income support
| Source | % of households |
|---|---|
| Social Security | 36.4% |
| Retirement income | 26.1% |
| Supplemental Security | 5.5% |
| Cash public assistance | 3.2% |
| Food stamps / SNAP | 14.4% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 27.5% |
| High blood pressure | 30.3% |
| High cholesterol | 33.8% |
| Diabetes | 9.0% |
| Heart disease | 6.0% |
| Stroke | 2.9% |
| Asthma | 10.2% |
| Arthritis | 23.2% |
| Kidney disease | 2.8% |
| Pulmonary disease | 6.5% |
| Cancer | 7.0% |
| Behavior / access | % |
|---|---|
| Smoking | 15.9% |
| Binge drinking | 17.1% |
| No physical activity | 22.3% |
| Less than 7 hrs sleep | 33.0% |
| Depression | 20.5% |
| Fair or poor health | 12.1% |
| Poor mental health | 14.1% |
| Poor physical health | 9.6% |
| No health insurance | 11.2% |
| Visited doctor (checkup) | 78.2% |
| Visited dentist | 66.0% |
| Cholesterol screening | 91.2% |
| Teeth loss | 13.2% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,395 | 6.0% |
| Disability | % |
|---|---|
| Any disability | 13.2% |
| Under 18 | 4.3% |
| 18–64 years | 12.0% |
| 65 and over | 27.4% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 70.7% |
| Public insurance | 39.7% |
| No insurance | 4.6% |
| Uninsured under 19 | 2.8% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 28,418 | 95.7% |
| Spanish | 742 | 2.6% |
| Other Indo-European | 491 | 1.7% |
| Asian & Pacific Islander | 171 | 0.6% |
| Other languages | 80 | 0.3% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 27,201 | 91.6% |
| Born in same state | 26,532 | 89.4% |
| Born in different state | 23,838 | 80.3% |
| Foreign born | 669 | 2.3% |
| Naturalized citizen | 2,479 | 8.4% |
| Not a US citizen | 1,689 | 68.1% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 5,485 | 18.5% |
| French | 2,531 | 8.5% |
| Arab | 1,605 | 5.4% |
| English | 658 | 2.2% |
| German | 413 | 1.4% |
| Ancestry | Count | % |
|---|---|---|
| Irish | 117 | 0.4% |
| Polish | 71 | 0.2% |
| Norwegian | 62 | 0.2% |
| Dutch | 42 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 39.6% |
| Internet access | 91.9% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 12303
What city is ZIP code 12303 in?
ZIP code 12303 is primarily assigned to Schenectady, New York.
What county is ZIP code 12303 in?
ZIP code 12303 falls within Schenectady County, New York.
Does ZIP code 12303 have a large retiree population?
36% of households in ZIP code 12303 receive Social Security income, suggesting a significant retiree or disability population.
What is the population of ZIP code 12303?
ZIP code 12303 has an estimated population of 29,680 residents, with a density of 1,906 people per square mile.
What is the typical home value in ZIP code 12303?
The median home value in ZIP code 12303 is $217,200.
What is the median household income in ZIP code 12303?
The median household income in ZIP code 12303 is $77,917, above the national median of ~$75,000.
What timezone is ZIP code 12303 in?
ZIP code 12303 observes the EST timezone.