ZIP code 12308

ZIP 12308 is a mid-size town in Schenectady County, New York, with 13,985 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #423 of 1,824 ranked by population — larger than 76% of them. The median age here is 34.6 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 12308 earn a median of $59,789 a year, 23.9% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 17.8% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 12308 is valued at $180,100, 40.6% 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 23.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 44.4% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. 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.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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.

ZIP 12308 is tabulated inside Schenectady County, New York, one of 12 ZIP areas the Census publishes for that county and 1,826 across New York. This is a mid-sized ZIP that covers a large share of its county's addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 12308 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 12308 reports a median household income of $59,789, 32% below the $87,370 county median, and 25% below the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $180,100, 21% below the county figure and 23% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,159 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New York charges 4% statewide, and local governments overlapping 12308 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 12308 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.