12304
Schenectady, New York.
Schenectady, Schenectady County, NY · Albany-Schenectady-Troy, NY metro · population 22,403
to buy the typical home at today's mortgage rate — +$814 (+145%) since Jan 2020.
- 1 year
- Up $10,575 +4%
- $251,472$262,047 since Sep 2025
- 5 years
- Up $74,779 +40%
- $187,267$262,047 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.
- 12304$1,375
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in zip 12304 rose 4.2% over the past year — faster than the nation's +1.2%.
This zip spans 2 counties: Schenectady County, NY 66% · Albany County, NY 34%
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 — 12304
Against the Albany-Schenectady-Troy, NY metro and the national benchmark.
Not enough data to draw this yet.
Typical home value — 12304
Mid-tier homes, smoothed and seasonally adjusted.
- 12304$262,047
- Albany$373,057
- United States$366,157
Within 20 miles
Showing 30 of 63 zips in range — sorting picks from all 63.
| 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 | 12309 | Schenectady | 33,246 | $1,494 | $416,191 |
| 2.2 | 12303 | Schenectady | 29,360 | $1,371 | $322,292 |
| 2.8 | 12307 | Schenectady | 7,050 | — | $185,471 |
| 3.5 | 12308 | Schenectady | 15,511 | $1,569 | $267,347 |
| 3.8 | 12305 | Schenectady | 7,356 | $1,403 | $287,715 |
| 4.8 | 12084 | Guilderland | 5,328 | — | $504,178 |
| 4.9 | 12148 | Rexford | 4,023 | — | $563,861 |
| 5.2 | 12205 | Albany | 25,838 | $1,800 | $336,357 |
| 5.5 | 12008 | Alplaus | 422 | — | $360,022 |
| 6.2 | 12085 | Guilderland Center | 357 | $1,334 | — |
| 6.3 | 12110 | Latham | 20,081 | $2,458 | $410,158 |
| 6.8 | 12203 | Albany | 30,771 | $1,769 | $339,006 |
| 7.3 | 12306 | Schenectady | 27,865 | $1,696 | $300,706 |
| 7.9 | 12065 | Clifton Park | 45,116 | $1,684 | $489,830 |
| 8.1 | 12211 | Albany | 14,383 | — | $488,139 |
| 8.6 | 12302 | Schenectady | 28,031 | $1,690 | $334,325 |
| 8.7 | 12009 | Altamont | 7,934 | — | $428,226 |
| 8.7 | 12047 | Cohoes | 23,532 | $1,865 | $339,366 |
| 9.0 | 12159 | Slingerlands | 8,163 | — | $584,893 |
| 9.0 | 12206 | Albany | 14,572 | $1,784 | $225,666 |
| 9.5 | 12208 | Albany | 23,289 | $1,615 | $330,171 |
| 9.5 | 12189 | Watervliet | 18,656 | $1,519 | $315,131 |
| 9.8 | 12056 | Duanesburg | 1,695 | — | $404,563 |
| 10.2 | 12027 | Burnt Hills | 4,693 | — | $437,553 |
| 10.3 | 12210 | Albany | 10,297 | $1,474 | $269,530 |
| 10.4 | 12204 | Albany | 7,812 | $2,176 | $352,285 |
| 10.5 | 12150 | Rotterdam Junction | 710 | — | $293,828 |
| 10.5 | 12183 | Troy | 2,970 | — | $245,066 |
| 10.7 | 12188 | Waterford | 10,988 | $1,575 | $387,367 |
| 10.8 | 12019 | Ballston Lake | 15,555 | $1,919 | $502,585 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.