Home values, rents and more in ZIP code 12309 (Schenectady, NY)
September 2026 figures from Zillow and the U.S. Census Bureau · updated 2026-11-07
Open 12309 in ProMap- Under $290k
- $290k–$340k
- $340k–$390k
- $390k–$440k
- $440k+
- No data
How 12309 compares
The typical home in ZIP code 12309 (Schenectady, NY) is worth about $416,000, according to the Zillow Home Value Index for September 2026. Home values in 12309 are 12% above the typical value in the Albany metro area ($373,000) and 14% above the U.S. typical value ($366,000).
Over the past year, home values in 12309 rose 5.7%, compared with +5.0% in the Albany metro area and +1.2% nationally.
The median household income is $125,274, against $88,074 in the Albany metro area and $80,734 in the U.S. (Census Bureau, American Community Survey 2020–24).
About 33,246 people live in 12309 (American Community Survey 2020–24).
12309 has the 22nd-highest typical home value of the 107 ZIP codes in the Albany metro area and the 609th-highest of 1,561 in New York with Zillow figures.
Part of: Schenectady, NY · Schenectady County, NY · Albany metro area · New York
More for 12309 in ProMap Plus
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- 5- and 10-year price changes
- Days on market and months of supply
- Price cuts and sale-to-list ratio
- Price-to-income and monthly cost to buy
- Zillow 12-month price forecast
- Crime rates
- School test scores
- Homeowners insurance premiums
- Commute time to downtown
- Flood, wildfire and natural hazard risk
- Property-tax rate
- 2024 presidential vote
- Age, education and household make-up
- Amenities and transit nearby
Nearby ZIP codes
Sources
Home values: Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted, September 2026. Rents: Zillow Observed Rent Index (ZORI), seasonally adjusted. Population: Census population estimates (July 2025) for states, metros and counties; ACS 2020–24 for cities and ZIP codes. Income: U.S. Census Bureau, ACS 2020–24 5-year estimates. Boundaries: U.S. Census Bureau cartographic boundary files. Compiled by Home Economics.
"Typical" is Zillow's middle-tier value (homes between the 35th and 65th percentiles), not a median sale price. Changes are over the 12 months to September 2026.