The 12302 ZIP Code is primarily associated with Schenectady, NY (Schenectady County) in the U.S. The current population estimate is 27,377. Approximately 4% of the population is living below the poverty line. The median household income of this region is $77,740. Approximately 38.9% of residents in this New York region have a bachelor's degree or higher, and the per capita income is an estimated $36,851. The median age in ZIP Code 12302 is approximately 41.9 years, with 25.0% of residents aged 62 years and older.
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In ZIP Code 12302, 95.0% of the population graduated high school, while 38.9% have a bachelor's degree or higher. In this region, 1.7% achieved an education level less than 9th grade, while 15.3% hold a graduate or professional degree. Approximately 25.7% in this Schenectady County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 1.7% |
| 9th to 12th grade, no diploma | 3.3% |
| High school graduate (includes equivalency) | 25.7% |
| Some college, no degree | 17.0% |
| Associate's degree | 13.4% |
| Bachelor's degree | 23.6% |
| Graduate or professional degree | 15.3% |
Residents of ZIP Code 12302 are older than average. The median age of 41.9 years in ZIP Code 12302 is approximately 9.97% higher than the overall median age in the U.S. of 38.1 years. About 77.6% of residents are aged 18 years and older, and 25.0% of residents are 62 years and over. Approximately 12.0% of the population in 12302 falls in the age group 35 to 44 years, while an estimated 11.5% are aged 25 to 34 years. On the low end of the scale, 3.6% of 12302 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 4.5% |
| 5 to 9 years | 8.1% |
| 10 to 14 years | 6.3% |
| 15 to 19 years | 4.9% |
| 20 to 24 years | 5.7% |
| 25 to 34 years | 11.5% |
| 35 to 44 years | 12.0% |
| 45 to 54 years | 11.5% |
| 55 to 59 years | 8.0% |
| 60 to 64 years | 6.6% |
| 65 to 74 years | 11.3% |
| 75 to 84 years | 6.0% |
| 85 years and over | 3.6% |
The median household income in ZIP Code 12302 is $77,740, while the region's mean household income is $91,295. Breaking income down further, per capita income in the region is $36,851. The per capita income in ZIP Code 12302 of $36,851 is approximately 6.29% less than the per capita income in the U.S. overall of $39,326. An estimated 4.1% of the population is living below the poverty line in this region. This rate is approximately 56.84% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 20.3% of the population in 12302 earn $100,000 to $149,999 per year, while an estimated 15.6% earn $50,000 to $74,999 per year, and 2.2% of 12302 residents earn less than $10,000 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 2.2% |
| $10,000 to $14,999 per year | 5.4% |
| $15,000 to $24,999 per year | 6.5% |
| $25,000 to $34,999 per year | 8.0% |
| $35,000 to $49,999 per year | 11.1% |
| $50,000 to $74,999 per year | 15.6% |
| $75,000 to $99,999 per year | 15.5% |
| $100,000 to $149,999 per year | 20.3% |
| $150,000 to $199,999 per year | 9.2% |
| $200,000 or more per year | 6.3% |
Looking at race in the population that makes up ZIP Code 12302, 97.7% is one race, while 2.3% are two or more races. Approximately 4.2% of 12302 residents are hispanic or Latino (of any race). The most common race in 12302 (race alone or in combination with one or more other races), is White (96.8%), followed by Black or African American (2.9%) .
| Industry | Percent |
|---|---|
| White | 96.8% |
| Black or African American | 2.9% |
| American Indian and Alaska Native | 0.4% |
| Asian | 1.5% |
| Native Hawaiian and Other Pacific Islander | 0.6% |
| Some other race | 0.4% |
In ZIP Code 12302, 94.8% of the population lists "English only" as the language spoken in home, while 2.3% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.9% of homes, and other Indo-European languages are spoken in 0.6% of homes. Lastly, 0.4% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Schenectady County region.
| Language Spoken | Percent |
|---|---|
| English only | 94.8% |
| Spanish | 2.3% |
| Other Indo-European languages | 1.9% |
| Asian and Pacific Islander languages | 0.6% |
| Other languages | 0.4% |
Regarding the age of homes in ZIP Code 12302, an estimated 24.8% of homes were built in 1939 or earlier. Additionally, 19.6% of homes in the region were built between 1950 and 1959, while an estimated 1.5% of homes were built between 2010 and 2013 in this Schenectady County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 1.7% |
| Built between 2010 and 2013 | 1.5% |
| Built between 2000 and 2009 | 7.7% |
| Built between 1990 and 1999 | 6.8% |
| Built between 1980 and 1989 | 7.3% |
| Built between 1970 and 1979 | 10.9% |
| Built between 1960 and 1969 | 10.5% |
| Built between 1950 and 1959 | 19.6% |
| Built between 1940 and 1949 | 9.1% |
| Built in 1939 or earlier | 24.8% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 12302 is current access to health insurance, as an estimated 95.3% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 12302 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 95.3% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 12302 has an average daily solar radiation level of 4.67 kWh/m2/day. This is approximately 13.35% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 29.14% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 12302 | 11.74¢/kWh | 5.99¢/kWh | 4.79¢/kWh |
| New York | 25.21¢/kWh | 20.08¢/kWh | 9.88¢/kWh |
| United States | 16.63¢/kWh | 13.39¢/kWh | 8.72¢/kWh |
| Month | ZIP Code 12302 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.31 | 1.9 | 5.84 |
| Feb | 4.63 | 3 | 6.31 |
| Mar | 5.28 | 3.65 | 7.02 |
| Apr | 5.14 | 5.13 | 7.3 |
| May | 5.42 | 5.17 | 7.13 |
| Jun | 5.27 | 5.72 | 6.95 |
| Jul | 5.98 | 6.22 | 6.51 |
| Aug | 5.45 | 6.08 | 6.65 |
| Sep | 5.22 | 5.15 | 7.02 |
| Oct | 4.1 | 3.32 | 6.92 |
| Nov | 3.41 | 2.33 | 5.99 |
| Dec | 2.82 | 1.78 | 5.46 |
In 12302, 64.1% of the population is in the labor force. Recent estimates place 2.5% as working from home, while the total labor force in the region has a mean travel to time to work of 24.1 minutes. Approximately 27.4% of the employed population 16 years and over in 12302 work in educational services, and health care and social assistance, while an estimated 12.5% work in retail trade. On the lower end of the scale, just 0.2% of 12302 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.2% |
| Construction | 3.7% |
| Manufacturing | 8.6% |
| Wholesale trade | 2.4% |
| Retail trade | 12.5% |
| Transportation and warehousing, and utilities | 5.5% |
| Information | 1.2% |
| Finance and insurance, and real estate and rental and leasing | 7.2% |
| Professional, scientific, management, and administrative | 9.8% |
| Educational services, and health care and social assistance | 27.4% |
| Arts, entertainment, and recreation, and accommodation and food services | 7.2% |
| Other services, except public administration | 5.9% |
| Public administration | 8.2% |
Regarding consumer complaints about financial products in ZIP Code 12302, credit reporting or other personal consumer reports have received the most complaints in 12302 in the past 12 months. Debt collection received the second most complaints. The most frequent complaint overall in this Schenectady County region was incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or other personal consumer reports | 19 |
| Debt collection | 15 |
| Credit reporting or credit repair services | 11 |
| Credit card or prepaid card | 10 |
| Checking or savings account | 7 |
| Other | 18 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 18 |
| Attempts to collect debt not owed | 9 |
| Improper use of your report | 8 |
| Managing an account | 4 |
| Problem with a purchase shown on your statement | 4 |
| Other | 37 |