ZIP Code 12305 — Schenectady, New York

The median home in 12305 is valued at $162,500 against a median household income of $50,308, a price-to-income ratio of 3.2. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Schenectady County, 12305 ranks 13 of 13 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.7. Renting takes 25.5% of median household income (median rent $1,067 a month), under the 30% cost-burden threshold.

12305 ranks 1,464 of 1,572 statewide on median household income and 1,133 of 1,572 on median home value; its income is below the $80,583 Schenectady County median. 14% of households own their home, far below the 80% statewide ZIP median, so most residents rent. 34% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 16.8%, far above the 9.9% statewide ZIP median. Unemployment stands at 6.9%.

With 5,176 residents per square mile across 1.5 square miles of land, 12305 is far denser than the statewide ZIP median of 197 (rank 267 of 1,572). This is predominantly single-family residential with suburban street patterns.