12303
Schenectady, New York.
Schenectady, Schenectady County, NY · Albany-Schenectady-Troy, NY metro · population 29,360
to buy the typical home at today's mortgage rate — +$926 (+121%) since Jan 2020.
- 1 year
- Up $14,664 +5%
- $307,628$322,292 since Sep 2025
- 5 years
- Up $75,928 +31%
- $246,364$322,292 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.
- 12303$1,692
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in zip 12303 rose 4.8% over the past year — faster than the nation's +1.2%.
This zip spans 2 counties: Albany County, NY 71% · Schenectady County, NY 29%
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 — 12303
Against the Albany-Schenectady-Troy, NY metro and the national benchmark.
- 12303$1,371
- Albany$1,696
- United States$1,930
Typical home value — 12303
Mid-tier homes, smoothed and seasonally adjusted.
- 12303$322,292
- Albany$373,057
- United States$366,157
Within 20 miles
Showing 30 of 65 zips in range — sorting picks from all 65.
| 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 |
|---|---|---|---|---|---|
| 2.2 | 12304 | Schenectady | 22,403 | $2,075 | $262,047 |
| 3.4 | 12084 | Guilderland | 5,328 | — | $504,178 |
| 3.9 | 12307 | Schenectady | 7,050 | — | $185,471 |
| 4.0 | 12085 | Guilderland Center | 357 | $1,334 | — |
| 4.4 | 12309 | Schenectady | 33,246 | $1,494 | $416,191 |
| 4.5 | 12305 | Schenectady | 7,356 | $1,403 | $287,715 |
| 5.0 | 12308 | Schenectady | 15,511 | $1,569 | $267,347 |
| 5.3 | 12205 | Albany | 25,838 | $1,800 | $336,357 |
| 6.0 | 12203 | Albany | 30,771 | $1,769 | $339,006 |
| 6.5 | 12009 | Altamont | 7,934 | — | $428,226 |
| 6.8 | 12306 | Schenectady | 27,865 | $1,696 | $300,706 |
| 7.1 | 12148 | Rexford | 4,023 | — | $563,861 |
| 7.3 | 12008 | Alplaus | 422 | — | $360,022 |
| 7.6 | 12110 | Latham | 20,081 | $2,458 | $410,158 |
| 7.6 | 12159 | Slingerlands | 8,163 | — | $584,893 |
| 8.5 | 12056 | Duanesburg | 1,695 | — | $404,563 |
| 8.7 | 12211 | Albany | 14,383 | — | $488,139 |
| 8.9 | 12186 | Voorheesville | 6,512 | — | $423,445 |
| 8.9 | 12208 | Albany | 23,289 | $1,615 | $330,171 |
| 9.0 | 12206 | Albany | 14,572 | $1,784 | $225,666 |
| 9.6 | 12302 | Schenectady | 28,031 | $1,690 | $334,325 |
| 10.1 | 12065 | Clifton Park | 45,116 | $1,684 | $489,830 |
| 10.2 | 12054 | Delmar | 17,436 | $1,966 | $458,235 |
| 10.3 | 12210 | Albany | 10,297 | $1,474 | $269,530 |
| 10.3 | 12209 | Albany | 10,626 | $1,725 | $270,391 |
| 10.4 | 12047 | Cohoes | 23,532 | $1,865 | $339,366 |
| 10.6 | 12189 | Watervliet | 18,656 | $1,519 | $315,131 |
| 10.8 | 12150 | Rotterdam Junction | 710 | — | $293,828 |
| 10.9 | 12204 | Albany | 7,812 | $2,176 | $352,285 |
| 11.1 | 12207 | Albany | 1,988 | $1,797 | — |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.