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ZIP Code 12309

Schenectady, New York

FIPS 12309

Juniper

ZIP Code 12309 is in the top 10% nationally for FEMA risk score. It also sits in the 83th percentile nationally for median rent. And it sits in the top 19% nationally for appreciation 1yr %.

Median Home Value

$330,700

Higher than 74% of U.S. ZIP codes

HPI Growth 5yr %

53%

Higher than 78% of U.S. ZIP codes

FEMA Risk Score

22.2

Lower than 90% of U.S. ZIP codes

The basics

Total Population

33,246

Median Age

41.3

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$330,700

Higher than 74%

Median Property Tax

$7,836

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.64

Lower than 59%

Median Rent

$1,499

Higher than 83%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

53%

Higher than 78%

Appreciation 1yr %

4.4%

Higher than 81%

Pandemic Gain %

43%

Recession Drop %

-8.1%

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

22.2

Lower than 90%

EAL Flood/Coastal per $1K

0

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 12309: frequently asked questions

What is the median home value in ZIP Code 12309?
The median home value in ZIP Code 12309 is $330,700, higher than 74% of U.S. ZIP codes.
How much is property tax in ZIP Code 12309?
The median annual property tax in ZIP Code 12309 is $7,836, an effective rate of 2% of home value.
Is ZIP Code 12309 expensive to live in?
Homes in ZIP Code 12309 cost about 2.64× the median household income, lower than 59% of U.S. ZIP codes.
What is the average rent in ZIP Code 12309?
The median gross rent in ZIP Code 12309 is $1,499 a month, higher than 83% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 12309?
Home prices in ZIP Code 12309 have moved 53% over the past five years (4.4% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 12309?
ZIP Code 12309 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 12309 at risk of flooding or natural disasters?
ZIP Code 12309's FEMA National Risk Index score is 22.2 (lower than 90% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado. Modeled coastal-flood loss is negligible.

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