Schenectady ZIP codes — Schenectady County, New York

Schenectady County is a mid-size city in New York, with 159,603 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 39.6 years against 39.1 nationally, a slightly older profile than the country as a whole. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.

Households in Schenectady County earn a median of $76,989 a year, 2% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 12.5% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Schenectady County is valued at $223,100, 26.5% below the national figure, while median gross rent runs $1,159 a month, 17.6% below the national figure, or roughly $13,908 across a full year. A household on the local median income would put about 18.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 63.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.