12307
Schenectady, New York.
Schenectady, Schenectady County, NY · Albany-Schenectady-Troy, NY metro · population 7,050
to buy the typical home at today's mortgage rate — +$700 (+256%) since Jan 2020.
- 1 year
- Up $19,191 +12%
- $166,280$185,471 since Sep 2025
- 5 years
- Up $78,535 +73%
- $106,936$185,471 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.
- 12307$973
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 6 years.
Typical home values in zip 12307 rose 11.5% over the past year — faster than the nation's +1.2%.
Zillow also publishes an index for the city itself: Schenectady, NY — measured over the city limits, which is a different area from this zip.
Typical home value — 12307
Mid-tier homes, smoothed and seasonally adjusted.
- 12307$185,471
- Albany$373,057
- United States$366,157
Within 20 miles
Showing 30 of 58 zips in range — sorting picks from all 58.
| 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 |
|---|---|---|---|---|---|
| 1.0 | 12305 | Schenectady | 7,356 | $1,403 | $287,715 |
| 1.3 | 12308 | Schenectady | 15,511 | $1,569 | $267,347 |
| 2.8 | 12304 | Schenectady | 22,403 | $2,075 | $262,047 |
| 3.4 | 12309 | Schenectady | 33,246 | $1,494 | $416,191 |
| 3.6 | 12008 | Alplaus | 422 | — | $360,022 |
| 3.9 | 12303 | Schenectady | 29,360 | $1,371 | $322,292 |
| 4.8 | 12148 | Rexford | 4,023 | — | $563,861 |
| 5.1 | 12306 | Schenectady | 27,865 | $1,696 | $300,706 |
| 5.9 | 12302 | Schenectady | 28,031 | $1,690 | $334,325 |
| 7.2 | 12084 | Guilderland | 5,328 | — | $504,178 |
| 7.4 | 12085 | Guilderland Center | 357 | $1,334 | — |
| 7.7 | 12150 | Rotterdam Junction | 710 | — | $293,828 |
| 8.0 | 12205 | Albany | 25,838 | $1,800 | $336,357 |
| 8.1 | 12027 | Burnt Hills | 4,693 | — | $437,553 |
| 8.2 | 12065 | Clifton Park | 45,116 | $1,684 | $489,830 |
| 8.4 | 12056 | Duanesburg | 1,695 | — | $404,563 |
| 8.7 | 12110 | Latham | 20,081 | $2,458 | $410,158 |
| 9.0 | 12009 | Altamont | 7,934 | — | $428,226 |
| 9.0 | 12019 | Ballston Lake | 15,555 | $1,919 | $502,585 |
| 9.5 | 12203 | Albany | 30,771 | $1,769 | $339,006 |
| 10.6 | 12137 | Pattersonville | 2,077 | — | $329,140 |
| 10.6 | 12047 | Cohoes | 23,532 | $1,865 | $339,366 |
| 10.9 | 12211 | Albany | 14,383 | — | $488,139 |
| 11.1 | 12151 | Round Lake | 967 | — | $433,670 |
| 11.4 | 12159 | Slingerlands | 8,163 | — | $584,893 |
| 11.9 | 12206 | Albany | 14,572 | $1,784 | $225,666 |
| 12.0 | 12189 | Watervliet | 18,656 | $1,519 | $315,131 |
| 12.1 | 12188 | Waterford | 10,988 | $1,575 | $387,367 |
| 12.3 | 12208 | Albany | 23,289 | $1,615 | $330,171 |
| 12.6 | 12186 | Voorheesville | 6,512 | — | $423,445 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.