Population & age
- Total population
- 21,901
- Median age
- 40.8
Schenectady, NY (12304)
Schenectady County · Albany-Schenectady-Troy, NY · Population 21,901
Fresh.Data current as of Apr 24, 2026
Schenectady, NY (ZIP 12304) sits in Schenectady County within the Albany-Schenectady-Troy metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: Health Insurance comes in below the national average at 8.1%. NCES lists 5 schools serving the area, 5 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $12,444. IRS data shows average household income (AGI) of $54,492 per tax return. FEMA has issued 27 federal disaster declarations affecting this ZIP since 1987 — a high-frequency exposure profile. Only 4.5% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New York levies a graduated state income tax (top rate 10.90%); a household at the local median AGI of $54,492 would pay roughly $3,564/year before deductions. New residents arriving here predominantly come from Albany County, NY (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $63,349, fair market rent of $1,520 for a two-bedroom, and a typical home value of $251,121, up 4.8% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 53.8%
- Black
- 18.3%
- Asian
- 10.1%
- Hispanic / Latino
- 8.3%
- Other / multi-racial
- 17.6%
Income & housing
- Median household income
- $63,349
- Median home value
- $152,600
Education
- Bachelor's degree or higher (age 25+)
- 22.6%
Employment
- Unemployment rate
- 7.2%
Housing
- Owner-occupied
- 5,046(57.9%)
- Renter-occupied
- 3,669(42.1%)
- Vacant units
- 607
- Built (median)
- 1955
Commute
- Public transit
- 587(6.3%)
- Work from home
- 696(7.4%)
- Avg commute
- 21.1 min
Economic wellbeing
- Below poverty line
- 4,234(19.5%)
- Uninsured
- 118(0.5%)
Digital access
- Broadband access
- 7,157(82.1%)
- No broadband
- 1,558(17.9%)
Language & nativity
- Foreign-born
- 3,483(15.9%)
- Non-English at home
- 2,467(12.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,090
/month
1 Bed
$1,270
/month
2 Bed
$1,520
/month
3 Bed
$1,820
/month
4 Bed
$2,010
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$251,121
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+4.8%
vs. March 2025
5-year change
+45.2%
vs. March 2021
Metro area
Albany-Schenectady-Troy, NY
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
895
Across 309 permitted buildings. Total construction value: $208.7M.
Single-family
268
30% of total units
Multifamily (2+ unit)
627
70% of total units
Single-family value
$85.4M
construction value
Multifamily value
$123.3M
construction value
Apartment construction (5+ unit buildings) accounts for 64% of new units this year — the area is densifying, not just adding single-family stock.
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
10,430
Average AGI
$54,492
Avg property tax
$238
EITC participation
19.9%
Income distribution
- $1 – $25,00029.4% · 3,070
- $25,000 – $50,00029.3% · 3,060
- $50,000 – $75,00018.5% · 1,930
- $75,000 – $100,0009.9% · 1,030
- $100,000 – $200,00011.1% · 1,160
- $200,000 or more1.7% · 180
Avg mortgage interest
$207
Avg charitable contribution
$205
Avg capital gains
$838
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $568.4M across all reported brackets.
Business & employment
Business establishments
422
Total employment
5,712
Annual payroll
$238.6M
Average annual pay
$41,765
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$73,794
Average weekly wage
$1,419
Total employment
58,509
Total establishments
3,562
That is roughly 13% above the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.7%
That is 0.3 percentage points below the US national unemployment rate of about 4.0%.
Labor force
76,660
Employed
73,806
Unemployed
2,854
Based on Schenectady County, NY data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
5
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$385.9M
across all branches in this ZIP
Distinct institutions
5
different banks operating here
Top banks by deposits in this ZIP
- 1.KeyBank National Association$177.0M · 1 branch
- 2.TrustCo Bank$110.4M · 1 branch
- 3.Citizens Bank, National Association$53.8M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Community health centers
Federally funded health-center sites
1
Single health-center site
One federally funded community health center serves this ZIP. Residents who need same-day care or specialty services may rely on neighboring ZIPs.
FQHC sites
1
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
59
across sites in this ZIP
Sites in this ZIP
- 1.Hometown Health Centers Dental at State Street
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Albany--Schenectady, NY
Reporting agencies
1
Largest: Capital District Transportation Authority
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Alternative-fuel stations
Public EV charging stations
7
Established EV charging
Multiple public charging stations across the ZIP — typical of mid-density suburban and small-urban areas with active EV adoption.
Level 2 ports
18
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- CHARGESMART_EV
- eVgo Network
- Non-Networked
- + 1 more network
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Public libraries
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 branch
Avg hours / week
25.4
across outlets in this ZIP
Avg square feet
3,000
per outlet
Outlets in this ZIP
- 1.Woodlawn Branch
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federal Disaster Declarations
Federally Declared Disasters
27
Date Range
1987–2021
Most Recent Declaration
HURRICANE HENRI
Hurricane — declared August 22, 2021 (DR-3565)
Incident period: August 21, 2021 – August 24, 2021
Top Incident Types
- Severe Storm9 (33%)
- Snowstorm6 (22%)
- Hurricane5 (19%)
- Biological2 (7%)
- Other2 (7%)
- Other3 (11%)
Individual Assistance
4
Direct help to disaster survivors
Households Program
5
Housing & temporary lodging support
Public Assistance
25
Repair of public facilities & roads
Hazard Mitigation
11
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
49.4°F
39.4° – 59.4°
Annual precipitation
40.7"
Annual snowfall
59.2"
Heating · cooling days
6,357.4 · 720.8
Annual base 65°F
Nearest station: ALBANY AP, NY US, 5 miles from the centroid of Schenectady, NY (ZIP 12304)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
8,452
That is roughly 252 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
13%
of adults self-report
Poor physical health days
3.7
avg per adult per month
Poor mental health days
5.3
avg per adult per month
Uninsured
4.5%
of residents under 65
Primary care MDs
80
per 100,000 residents
Preventable hospital stays
2,217
per 100K Medicare enrollees
Food environment (0-10)
8.7
10 = best access & security
Exercise access
89%
residents near a facility
Flu vaccinated
54%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.2% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Schenectady data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Moderate food access challenges
18.8% of Schenectady County, NY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.30
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.99
accepting food benefits
Fast-food restaurants
0.74
per 1,000 residents
Among low-income residents, 3.0% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Schenectady County, NY for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 8 reports
Property crime rate
—
per 100K residents · 50 reports
Homicide
0
Robbery
1
Burglary
7
Vehicle theft
3
County-level data for Albany (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▼−250 people
−126 households • −$47.8M net AGI flow
Moved in
5,387households
8,743 people • $335.0M AGI
Moved out
5,513households
8,993 people • $382.8M AGI
Where new residents came from
- Albany County, NY — 1,160 households
- Saratoga County, NY — 555 households
- Queens County, NY — 295 households
- Rensselaer County, NY — 273 households
- Montgomery County, NY — 134 households
Where departing residents went
- Albany County, NY — 994 households
- Saratoga County, NY — 654 households
- Rensselaer County, NY — 278 households
- Montgomery County, NY — 162 households
- Fulton County, NY — 97 households
Incoming households reported an average AGI of $62,179 versus departing households' $69,435.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in New York
State-level rules that apply to every resident of ZIP 12304. Numbers reflect the most recent published year per source.
Tax rates
Income tax
10.90%
graduated · 8 brackets
Sales tax (combined)
8.54%
State 4.00% · avg local 4.54%
Property tax (effective)
1.92%
Median $3,417/year
Tax burden rank
50 of 50
14.20% of personal income
For ZIP 12304: At this ZIP's median AGI of $54,492, the estimated state income tax (before deductions) runs about $3,564 per year. Applied to this ZIP's typical home value of $251,121, that works out to roughly $4,821/year in property tax.
Paid family leave
Program
Paid Family Leave
Mandatory (private insurance)
Max weeks/year
26
Parental
12wk
Max weekly benefit
$1,229
Replacement: 67% AWW · job protection
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 12304
Other ZIPs in Schenectady
Nearby ZIPs by distance
12303 (Rotterdam, 2.4 mi) · 12309 (Niskayuna, 2.4 mi) · 12307 (Schenectady, 2.7 mi) · 12308 (Schenectady, 3.4 mi) · 12305 (Schenectady, 3.7 mi) · 12148 (4.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
SourcesFresh.CDC PLACES · Apr 24, 2026Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Fresh.HUD SAFMR · May 1, 2026
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
36.6%
3.6pp above the 33.0% national rate.
High Blood Pressure
35.6%
3.6pp above the 32.0% national rate.
Depression
19.8%
2.2pp below the 22.0% national rate.
Annual Checkup
79.7%
3.7pp above the 76.0% national rate.
Health Insurance
8.1%
4.9pp below the 13.0% national rate.
Diabetes
12.1%
Tracks close to the 11.0% national rate.
Schools in this ZIP
5 schools serve this ZIP, including 5 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| CENTRAL PARK MIDDLE SCHOOL | Public | 6–8 | 719 |
| PAIGE ELEMENTARY SCHOOL | Public | 0–5 | 436 |
| WOODLAWN ELEMENTARY SCHOOL | Public | 0–5 | 426 |
| LINCOLN ELEMENTARY SCHOOL | Public | 0–5 | 347 |
| WILLIAM C KEANE ELEMENTARY SCHOOL | Public | -1–5 | 285 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Colleges & universities nearby
Colleges in this area
6
Median in-state tuition
$12,444
Median earnings (10 yr)
$79,677
- 2-Year
Belanger School of Nursing
Schenectady, NY · 12304
- In-state tuition
- $12,444
- Out-of-state tuition
- $12,444
- Acceptance rate
- 0.0%
- Graduation rate
- —
- Median earnings (10 yr)
- $79,677
- Median student debt
- —
- Certificate
Modern Welding School
Schenectady, NY · 12304
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 93.0%
- Median earnings (10 yr)
- $48,703
- Median student debt
- —
- 4-Year
Union College
Schenectady, NY · 12308
- In-state tuition
- $69,039
- Out-of-state tuition
- $69,039
- Acceptance rate
- 43.9%
- Graduation rate
- 82.8%
- Median earnings (10 yr)
- $88,604
- Median student debt
- $25,337
- 2-Year
Schenectady County Community College
Schenectady, NY · 12305
- In-state tuition
- $6,190
- Out-of-state tuition
- $8,974
- Acceptance rate
- —
- Graduation rate
- 31.0%
- Median earnings (10 yr)
- $40,902
- Median student debt
- $11,049
- Certificate
Paul Mitchell the School-Schenectady
Schenectady, NY · 12305
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 83.5%
- Median earnings (10 yr)
- —
- Median student debt
- $6,650
- 4-Year
Clarkson University Capital Region Campus
Schenectady, NY · 12308
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $89,696
- Median student debt
- $26,000
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Schenectady, NY (ZIP 12304) sits in Schenectady County within the Albany-Schenectady-Troy metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: Health Insurance comes in below the national average at 8.1%. NCES lists 5 schools serving the area, 5 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $12,444. IRS data shows average household income (AGI) of $54,492 per tax return. FEMA has issued 27 federal disaster declarations affecting this ZIP since 1987 — a high-frequency exposure profile. Only 4.5% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New York levies a graduated state income tax (top rate 10.90%); a household at the local median AGI of $54,492 would pay roughly $3,564/year before deductions. New residents arriving here predominantly come from Albany County, NY (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $63,349, fair market rent of $1,520 for a two-bedroom, and a typical home value of $251,121, up 4.8% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 19.8%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 12304
What is the obesity rate in ZIP 12304?
36.6%, which is 3.6 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 12304?
19.8%, which is 2.2 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 12304?
35.6%, which is 3.6 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
How many schools are in ZIP 12304?
5 schools serve this ZIP, including 5 public schools (NCES CCD, retrieved Apr 26, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 12304 have charter schools?
No charter schools are listed in ZIP 12304 by NCES CCD (retrieved Apr 26, 2026).
Are there high schools in ZIP 12304?
No high schools are listed in this ZIP by NCES CCD (retrieved Apr 26, 2026).
What is the population of ZIP 12304?
21,901 people live in ZIP 12304, with a median age of 40.8 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 12304?
$63,349 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 12304 mostly renters or homeowners?
In ZIP 12304, 57.9% of occupied housing units are owner-occupied and 42.1% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 12304?
In ZIP 12304, 7.4% of workers work from home. Public transit is used by 6.3% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 12304?
19.5% of the population in ZIP 12304 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 12304 have broadband internet?
82.1% of households in ZIP 12304 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 12304?
The typical home value in ZIP 12304 is $251,121, up 4.8% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 12304?
Home values are up 4.8% over the past year and up 45.2% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 12304?
The average Adjusted Gross Income reported on tax returns from ZIP 12304 (Schenectady, NY) is $54,492 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 12304?
Tax returns from ZIP 12304 report an average of $238 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 12304 earn over $200,000?
1.7% of tax returns from ZIP 12304 (Schenectady, NY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 12304?
As of 2022, 422 business establishments operated in ZIP 12304 employing 5,712 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 12304?
The average annual pay across all local establishments in ZIP 12304 is $41,765, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 12304 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 12304 ranks in the 63th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 12304?
Socioeconomic Status is the highest-scoring CDC SVI theme for ZIP 12304, ranking in the 61th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 12304 experienced?
FEMA has recorded 27 federal disaster declarations affecting ZIP 12304 between 1987–2021 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 12304?
Severe Storm is the most common federally declared disaster type affecting ZIP 12304, accounting for 9 of 27 declarations (33%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 12304?
The most recent FEMA disaster declaration affecting ZIP 12304 was "HURRICANE HENRI" — a hurricane declared in 2021 (DR-3565) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 12304?
6 colleges and universities are listed near ZIP 12304 by the U.S. Department of Education College Scorecard, including Belanger School Of Nursing, Modern Welding School, and Union College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 12304?
Median in-state tuition across 6 nearby institutions is $12,444 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 12304?
Graduates of nearby colleges earn a median of $79,677 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 12304?
ZIP 12304 has an average annual temperature of 49.4°F and 40.7" of annual precipitation based on the ALBANY AP, NY US weather station 5.0 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 12304 have public transit?
Yes — ZIP 12304 is part of the Albany--Schenectady, NY urbanized area, primarily served by Capital District Transportation Authority (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 12304?
New York has a graduated income tax with a top rate of 10.90%. Households at the local median AGI of $54,492 would pay roughly $3,564 in state income tax annually (estimated, before deductions). Combined sales tax: 8.54% (Tax Foundation 2025).
Does New York have paid family leave?
New York runs an active paid family leave program (Paid Family Leave) offering up to 26 weeks of paid leave per year, with a maximum weekly benefit of $1,229 (Bipartisan Policy Center 2026).
What data is available for ZIP 12304?
This page covers health outcomes from CDC PLACES (40 metrics), school information from NCES CCD (5 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (6 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (27 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 26, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (27 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 12304
Other ZIPs in Schenectady
Nearby ZIPs by distance
12303 (Rotterdam, 2.4 mi) · 12309 (Niskayuna, 2.4 mi) · 12307 (Schenectady, 2.7 mi) · 12308 (Schenectady, 3.4 mi) · 12305 (Schenectady, 3.7 mi) · 12148 (4.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
63rd percentile
High Vulnerability
Based on 13 census tracts, population 23,203
Vulnerability Themes
Households Without Vehicle
1,438
Limited English Speakers
432
Persons with Disability
3,446
Without HS Diploma
2,163
Without Health Insurance
1,002
Adults Age 65+
4,296
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.