dynamic.RE
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A tight-supply, appreciation-lean market. The rent math runs thin; demand and tenant incomes are the story.
What would change this read: a price correction (median already −8.1% YoY) or rent growth lifting rent-to-price toward 0.8%/mo would move this ZIP toward a cash-flow story. inventory, −3.5% YoY, is the number to watch.
The median listing price is down 8.1% YoY while the median home got down 1.7% bigger, so value per square foot is up 1.8%.
Min/max come from the active-listing pool; the median comes from Realtor's separate listing set — the two are not subsets of each other, so the median's position relative to the tiles above should not be read literally.
At the median, a $421K purchase rents for $2,275/mo: 0.54% of price per month against the 1% rule's 1.00%.
Not shown: 1 BR (rent only, no matching sale price), 6 BR (sale only, no matching rent), 7 BR (sale only, no matching rent), 8 BR (sale only, no matching rent).
Sales here take about 14 days longer to go under contract than rentals (median across 2 property types).
Not shown: Apartment (rented here, not sold), Land (sold here, not rented), Multi-Family (sold here, not rented), Townhouse (rented here, not sold).
U.S. Census ACS characteristics for ZIP 12309 itself, not its parent county.
Renters hold 18.3% of this ZIP's 12,767 occupied households, on a median household income of $125K.
| Measure | ZIP 12309 | Schenectady County | Difference |
|---|---|---|---|
| Median Household Income | $125K | $80K | +$46K |
| Below Poverty Level | 5.2% | 13.3% | -8.1% |
| Median Age | 41.30 | 39.60 | +1.70 |
| Total Population | 33,246 | 160,369 | -- |
| Avg Household Size | 2.56 | 2.32 | +0.24 |
| Owner-Occupied | 81.7% | 64.0% | +17.6% |
| Worked From Home | 19.3% | 14.3% | +5.0% |
| Mean Commute | 20.90 | 22.80 | -1.90 |
Higher or lower is not itself good or bad — it describes the neighborhood, not the investment.
ZIP-level figures come from ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP codes. A missing value is suppressed or unavailable at this sample size, not zero. Estimates for 2019–2020 use the 2010 ZCTA boundaries and 2021–2024 the 2020 ones, so a step between those two years may be a boundary change rather than real movement.
County population is up 0.5% to 160,369: residents under 18 are down 0.1% and those 65 and over are up 1.9%.
County median household income is $80K, 13.3% of residents are below the poverty level, 14.3% work from home.