12309 ZIP Code — Schenectady, NY

Schenectady County, New York

ZIP code 12309 is located in Schenectady, New York, within Schenectady County. It covers approximately 17.57 square miles and serves a population of 33,332 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12309

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $284,000. Owner-occupancy is high at 82%, well above the national average.

Median household income is $119,268. The poverty rate of 4% is below the national average. 32% 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 21 minutes is near the national average.

Educational attainment is high — 58% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 12309 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

33,332

population

17.57

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12309 ZIP code map

Cities in ZIP code 12309

Below are the cities the US Postal Service accepts for ZIP code 12309. Using any city not on this list may result in mail delivery delays.

City	Status
Schenectady	Acceptable
Schenectady	Acceptable
Schenectady	Preferred

Nearby ZIP codes

12304 Schenectady (2.5 mi) 12148 Rexford (3.5 mi) 12308 Schenectady (3.5 mi) 12307 Schenectady (3.7 mi) 12303 Schenectady (3.7 mi) 12345 Schenectady (4.1 mi) 12305 Schenectady (4.2 mi) 12065 Clifton Park (5 mi) 12110 Latham (5 mi) 12205 Albany (5.9 mi) 12084 Guilderland (6.9 mi) 12047 Cohoes (7.1 mi)

Demographics updated 05/2026

Population
Total population	33,332
Population density	1,897 / sq mi
State FIPS	36
County FIPS	093

Geography
Land area	17.57 sq mi
Water area	0.91 sq mi
Latitude	42.7950
Longitude	-73.8635
Timezone	Eastern (ET)
Area code	518

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	16.6%	36.1%	37.0%
$50k – $100k	27.2%	31.0%	27.0%
$100k – $200k	41.3%	26.6%	24.4%
Over $200k	15.0%	6.4%	11.5%

Demographics & statistics

33,332

Population

1,897

People per sq mi

41.9

Median age

$119,268

Median household income

$53,532

Per capita income

$284,000

Median home value

$1,362

Median monthly rent

82.2%

Home ownership

3.6%

Poverty rate

3.4%

Unemployment

11,303

Housing units

57.6%

Bachelor's or higher

Age distribution

Male Female

1,167

Under 5

1,216

1,082

5–9

1,127

1,014

10–14

1,057

1,201

15–19

1,251

502

20–24

523

1,401

25–34

1,459

2,539

35–44

2,645

2,018

45–54

2,102

1,011

55–59

1,053

1,321

60–64

1,376

1,734

65–74

1,807

910

75–84

948

425

85+

443

← Male

Female →

Age summary

Group	Count	%
Under 18	8,073	24.2%
18 and over	25,259	75.8%
65 and over	6,267	18.8%
Median age	41.9 years

Race & ethnicity

White 75.3%

Two or more races 8%

Asian 7.7%

Hispanic or Latino 5%

Black or African American 2.8%

Other race 1.1%

American Indian / Alaska Native 0.2%

Group	Count	%
White	26,400	75.3%
Two or more races	2,801	8%
Asian	2,703	7.7%
Hispanic or Latino	1,746	5%
Black or African American	985	2.8%
Other race	390	1.1%
American Indian / Alaska Native	53	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	16.6%	36.1%	37.0%
$50k – $100k	27.2%	31.0%	27.0%
$100k – $200k	41.3%	26.6%	24.4%
Over $200k	15.0%	6.4%	11.5%

Under $10k 1.9%

$10k–$15k 0.9%

$15k–$25k 2.6%

$25k–$35k 2.5%

$35k–$50k 6.3%

$50k–$75k 13.3%

$75k–$100k 12.3%

$100k–$150k 24.3%

$150k–$200k 17.1%

$200k+ 18.8%

Range	% of households
Under $10k	1.9%
$10k–$15k	0.9%
$15k–$25k	2.6%
$25k–$35k	2.5%
$35k–$50k	6.3%
$50k–$75k	13.3%
$75k–$100k	12.3%
$100k–$150k	24.3%
$150k–$200k	17.1%
$200k+	18.8%
Median income	$119,268

Housing

Home values

Under $50k 0.5%

$50k–$100k 1.8%

$100k–$150k 6.3%

$150k–$200k 13.7%

$200k–$300k 33.5%

$300k–$500k 36.8%

$500k–$1M 7.3%

$1M+ 0.1%

Housing overview

Metric	Value
Median home value	$284,000
Median rent / month	$1,362
Owner occupied	82.2%
Renter occupied	17.8%
Vacant	6.5%
Single-family detached	81.1%
Large apartment buildings	5.5%
Mobile homes	0.0%
Median rooms	7.0
Avg household size (owned)	2.73

Year built

Era	%
2020 or later	0.1%
2010–2019	4.6%
2000–2009	5.0%
1990–1999	9.7%
1980–1989	13.6%
1970–1979	7.9%
1960–1969	11.2%
1950–1959	18.4%
1940–1949	7.6%
1939 or earlier	21.8%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	7.3%
2 bedrooms	13.7%
3 bedrooms	40.5%
4 bedrooms	30.2%
5+ bedrooms	6.8%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	29.4%
2 vehicles	48.3%
3 or more	18.3%

Heating fuel

Fuel type	%
Utility gas	86.7%
Electricity	7.7%
Propane / LP gas	2.2%
Fuel oil	2.4%
Wood	0.2%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	7,639	60.3%
Cohabiting couple	677	5.3%
Male householder, no spouse	1,728	13.6%
Female householder, no spouse	2,631	20.8%
Households with children under 18	4,076	32.2%
Households with seniors (65+)	4,244	33.5%
Average household size	2.59

Marital status

Status	Male	Female
Never married	26.9%	25.3%
Married	61.6%	56.5%
Separated	1.5%	1.3%
Widowed	2.7%	6.9%
Divorced	7.3%	10.0%

Education

Less than 9th grade 1.1%

Some HS, no diploma 2.1%

HS graduate 15.6%

Some college, no degree 12.5%

Associate's degree 11.1%

Bachelor's degree 27.2%

Graduate / professional 30.4%

Metric	%
HS diploma or higher	96.8%
Bachelor's or higher	57.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	685	8.5%
Kindergarten	398	4.9%
Elementary school	3,370	41.6%
High school	2,068	25.5%
College / grad school	1,577	19.5%

Employment

Industry of employment

Education & healthcare 32.5%

Professional & management 18.0%

Public administration 10.0%

Retail trade 8.1%

Finance & real estate 7.7%

Manufacturing 7.2%

Other services 4.4%

Arts, food & hospitality 3.3%

Construction 3.1%

Information 2.7%

Transportation & utilities 1.9%

Wholesale trade 0.9%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	62.8%
Service	10.5%
Sales & office	17.3%
Natural resources & construction	3.5%
Production & transportation	6.0%

Employment type

Type	%
Private sector	73.2%
Government	22.6%
Self-employed	4.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.4%
Carpool	6.2%
Public transit	0.4%
Walk	1.4%
Work from home	14.7%
Other means	0.9%
Avg commute (minutes)	21.1

Poverty

All people 3.6%

Under 18 years 1.6%

18 and over 4.2%

Married-couple families 1.4%

Female-led households 8.7%

Income support

Source	% of households
Social Security	32.3%
Retirement income	31.5%
Supplemental Security	2.8%
Cash public assistance	1.8%
Food stamps / SNAP	3.6%

Health indicators

Condition	%
Obesity	23.6%
High blood pressure	28.7%
High cholesterol	34.5%
Diabetes	7.7%
Heart disease	5.4%
Stroke	2.3%
Asthma	8.9%
Arthritis	21.5%
Kidney disease	2.5%
Pulmonary disease	4.8%
Cancer	7.7%

Behavior / access	%
Smoking	10.3%
Binge drinking	16.7%
No physical activity	16.7%
Less than 7 hrs sleep	29.1%
Depression	18.1%
Fair or poor health	8.1%
Poor mental health	11.3%
Poor physical health	7.3%
No health insurance	7.1%
Visited doctor (checkup)	79.4%
Visited dentist	75.3%
Cholesterol screening	93.8%
Teeth loss	8.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,481	5.9%

Disability	%
Any disability	7.9%
Under 18	1.6%
18–64 years	6.3%
65 and over	21.0%

Health insurance coverage

Type	%
Private insurance	86.9%
Public insurance	27.8%
No insurance	0.8%
Uninsured under 19	0.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	30,949	92.9%
Spanish	690	2.2%
Other Indo-European	26	0.1%
Asian & Pacific Islander	374	1.2%
Other languages	290	0.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	30,230	90.7%
Born in same state	29,991	90.0%
Born in different state	24,461	73.4%
Foreign born	239	0.7%
Naturalized citizen	3,102	9.3%
Not a US citizen	2,209	71.2%

Ancestry

Ancestry	Count	%
Italian	6,811	20.4%
French	3,521	10.6%
Arab	1,911	5.7%
English	948	2.8%
German	366	1.1%

Ancestry	Count	%
Irish	304	0.9%
Norwegian	197	0.6%
Polish	147	0.4%
Dutch	39	0.1%

Technology access

Metric	% of households
Computer access	38.0%
Internet access	96.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 12309

What city is ZIP code 12309 in?

ZIP code 12309 is primarily assigned to Schenectady, New York.

What county is ZIP code 12309 in?

ZIP code 12309 falls within Schenectady County, New York.

How educated is the population of ZIP code 12309?

58% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 12309 mostly owner-occupied?

82% of occupied units in ZIP code 12309 are owner-occupied, well above the national average.

What is the median household income in ZIP code 12309?

The median household income in ZIP code 12309 is $119,268, above the national median of ~$75,000.

What is the population of ZIP code 12309?

ZIP code 12309 has an estimated population of 33,332 residents, with a density of 1,898 people per square mile.

What timezone is ZIP code 12309 in?

ZIP code 12309 observes the EST timezone.