12302
Schenectady, New York.
Schenectady, Schenectady County, NY · Albany-Schenectady-Troy, NY metro · population 28,031
to buy the typical home at today's mortgage rate — +$980 (+126%) since Jan 2020.
- 1 year
- Up $17,255 +5%
- $317,069$334,325 since Sep 2025
- 5 years
- Up $84,790 +34%
- $249,534$334,325 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 12302$1,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in zip 12302 rose 5.4% over the past year — faster than the nation's +1.2%.
This zip spans 2 counties: Schenectady County, NY 91% · Saratoga County, NY 9%
Zillow also publishes an index for the city itself: Schenectady, NY — measured over the city limits, which is a different area from this zip.
Asking rent — 12302
Against the Albany-Schenectady-Troy, NY metro and the national benchmark.
- 12302$1,690
- Albany$1,693
- United States$1,932
Typical home value — 12302
Mid-tier homes, smoothed and seasonally adjusted.
- 12302$334,325
- Albany$373,057
- United States$366,157
Within 20 miles
Showing 30 of 56 zips in range — sorting picks from all 56.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 3.4 | 12150 | Rotterdam Junction | 710 | — | $293,828 |
| 4.4 | 12008 | Alplaus | 422 | — | $360,022 |
| 4.6 | 12027 | Burnt Hills | 4,693 | — | $437,553 |
| 5.1 | 12305 | Schenectady | 7,356 | $1,403 | $287,715 |
| 5.3 | 12308 | Schenectady | 15,511 | $1,569 | $267,347 |
| 5.8 | 12306 | Schenectady | 27,865 | $1,696 | $300,706 |
| 5.9 | 12307 | Schenectady | 7,050 | — | $185,471 |
| 6.1 | 12019 | Ballston Lake | 15,555 | $1,919 | $502,585 |
| 7.6 | 12137 | Pattersonville | 2,077 | — | $329,140 |
| 7.7 | 12148 | Rexford | 4,023 | — | $563,861 |
| 8.3 | 12309 | Schenectady | 33,246 | $1,494 | $416,191 |
| 8.6 | 12304 | Schenectady | 22,403 | $2,075 | $262,047 |
| 9.6 | 12056 | Duanesburg | 1,695 | — | $404,563 |
| 9.6 | 12303 | Schenectady | 29,360 | $1,371 | $322,292 |
| 10.0 | 12020 | Ballston Spa | 34,937 | $2,029 | $434,517 |
| 10.1 | 12086 | Hagaman | 1,587 | — | $273,295 |
| 10.1 | 12065 | Clifton Park | 45,116 | $1,684 | $489,830 |
| 10.3 | 12151 | Round Lake | 967 | — | $433,670 |
| 10.3 | 12010 | Amsterdam | 27,750 | $1,185 | $246,123 |
| 12.2 | 12074 | Galway | 2,848 | — | $346,592 |
| 12.6 | 12085 | Guilderland Center | 357 | $1,334 | — |
| 12.6 | 12863 | Rock City Falls | 910 | — | $485,267 |
| 12.9 | 12009 | Altamont | 7,934 | — | $428,226 |
| 13.0 | 12084 | Guilderland | 5,328 | — | $504,178 |
| 13.6 | 12118 | Mechanicville | 17,069 | $1,563 | $474,091 |
| 13.7 | 12053 | Delanson | 4,550 | — | $367,920 |
| 13.7 | 12110 | Latham | 20,081 | $2,458 | $410,158 |
| 13.8 | 12205 | Albany | 25,838 | $1,800 | $336,357 |
| 14.7 | 12047 | Cohoes | 23,532 | $1,865 | $339,366 |
| 15.0 | 12850 | Middle Grove | 2,537 | — | $355,804 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.