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ZIP Code 12308

Schenectady, New York

FIPS 12308

Juniper

ZIP Code 12308 is in the top 11% nationally for FEMA risk score, but in the bottom 39% nationally for price-to-income ratio. It also sits in the top 16% nationally for HPI growth 5yr %. And it sits in the 72th percentile nationally for median rent.

Median Home Value

$211,900

Near the U.S. ZIP codes median

HPI Growth 5yr %

58%

Higher than 84% of U.S. ZIP codes

FEMA Risk Score

23.7

Lower than 89% of U.S. ZIP codes

The basics

Total Population

15,511

Median Age

31.7

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$211,900

Near median

Median Property Tax

$5,646

Effective Tax Rate

3%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.34

Higher than 61%

Median Rent

$1,193

Higher than 72%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

58%

Higher than 84%

Appreciation 1yr %

-9.9%

Higher than 57%

Pandemic Gain %

58%

Recession Drop %

-15%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

81.8

Winter Avg Low (°F)

18.7

Avg Temperature (°F)

49.4

Hot Days/yr (>90°F)

9.6

Freezing Days/yr (<32°F)

135.7

Annual Precipitation (in)

40.7

Annual Snowfall (in)

59.2

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

23.7

Lower than 89%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 12308: frequently asked questions

What is the median home value in ZIP Code 12308?
The median home value in ZIP Code 12308 is $211,900, near the U.S. ZIP codes median.
How much is property tax in ZIP Code 12308?
The median annual property tax in ZIP Code 12308 is $5,646, an effective rate of 3% of home value.
Is ZIP Code 12308 expensive to live in?
Homes in ZIP Code 12308 cost about 3.34× the median household income, higher than 61% of U.S. ZIP codes.
What is the average rent in ZIP Code 12308?
The median gross rent in ZIP Code 12308 is $1,193 a month, higher than 72% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 12308?
Home prices in ZIP Code 12308 have moved 58% over the past five years (-9.9% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 12308?
ZIP Code 12308 averages 49.4°F year-round, summer highs near 81.8°F, winter lows around 18.7°F (NOAA 1991–2020 normals). It sees about 59.2 inches of snow a year.
Is ZIP Code 12308 at risk of flooding or natural disasters?
ZIP Code 12308's FEMA National Risk Index score is 23.7 (lower than 89% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →