Schenectady County · New York
ZIP code 12304
- Population
- 22,027
- Median income
- $67,688
- Median home
- $171,500
- Sales tax
- 4%
ZCTA residents
Household, past 12 months
Owner-occupied value
New York state rate
Quick answer
ZIP 12304 sits in Schenectady County, New York and is home to 22,027 people. Median household income is $67,688, the median home is worth $171,500 and median gross rent is $1,049. 59.6% of households own their home, and purchases are taxed at 4% (New York state rate).
- County
- Schenectady County
- State
- New York (NY)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 36093
1,826 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 12304
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 22,027ZIP 12304 residents
- Median household income
- $67,688Past 12 months, inflation adjusted
- Median home value
- $171,500Owner-occupied units
- Median gross rent
- $1,049Rent plus utilities, monthly
- Median age
- 42 yrsAll residents
- Homeownership rate
- 59.6%Owner-occupied households
Sales tax in 12304
What a purchase inside this ZIP costs at checkout.
New York levies 4% statewide, and counties, cities and special districts inside this ZIP can add their own local rate on top. Check the county page for the local component before you quote a price.
Affordability in this ZIP
Derived from the Census medians above — indicative, not an offer.
A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.
How 12304 compares
ZIP 12304 against the median ZIP in Schenectady County and across New York.
| Measure | ZIP 12304 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $67,688 | $87,370 | $79,429 | -15% |
| Median home value | $171,500 | $226,700 | $232,800 | -26% |
| Median gross rent | $1,049 | $1,183 | $1,125 | -7% |
| Population | 22,027 | 7,871 | 2,819 | +681% |
Medians are computed across the 12 ZIP areas in Schenectady County and the 1826 ZIP areas in New York.
Statewide rank
Where this ZIP places among all 1826 New York ZIP areas.
- Income
- #1,123
- Home value
- #1,114
- Population
- #299
richer than 31% of 1,625 state ZIPs
above 32% of 1,631 state ZIPs
larger than 84% of 1,824 state ZIPs
Comparable ZIP codes
New York ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Schenectady County.
ZIP 12304 questions
Common questions about this ZIP code.
- Where is ZIP code 12304?
- ZIP 12304 lies mostly in Schenectady County, New York. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
- What sales tax do I pay in 12304?
- New York charges 4% statewide, plus any county, city or district rate that applies locally.
- Is 12304 expensive to live in?
- Median rent runs $1,049 a month, about 19% of median household income, and the median home is worth $171,500 — -26% against the typical New York ZIP.
- Is a ZCTA the same as a postal ZIP code?
- Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- New York State Department of Taxation and Finance — Sales tax rates and local add-ons
Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.