The 12304 ZIP Code is primarily associated with Schenectady, NY (Schenectady County) in the U.S. The current population estimate is 22,230. Median househould income is approximately $50,949, and an estimated 9% of the population is living below the poverty line. Approximately 21.5% of residents in this New York region have a bachelor's degree or higher, and the per capita income is an estimated $28,799. The median age in ZIP Code 12304 is approximately 40.1 years, with 21.6% of residents aged 62 years and older.
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In ZIP Code 12304, 84.4% of the population graduated high school, while 21.5% have a bachelor's degree or higher. In this region, 6.2% achieved an education level less than 9th grade, while 6.9% hold a graduate or professional degree. Approximately 33.1% in this Schenectady County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 6.2% |
| 9th to 12th grade, no diploma | 9.3% |
| High school graduate (includes equivalency) | 33.1% |
| Some college, no degree | 16.5% |
| Associate's degree | 13.4% |
| Bachelor's degree | 14.6% |
| Graduate or professional degree | 6.9% |
Residents of ZIP Code 12304 are older than average. The median age of 40.1 years in ZIP Code 12304 is approximately 5.25% higher than the overall median age in the U.S. of 38.1 years. About 80.2% of residents are aged 18 years and older, and 21.6% of residents are 62 years and over. Approximately 13.9% of the population in 12304 falls in the age group 25 to 34 years, while an estimated 12.9% are aged 35 to 44 years. On the low end of the scale, 4.4% of 12304 residents are aged 75 to 84 years.
| Age Range | Percent |
|---|---|
| Under 5 years | 5.4% |
| 5 to 9 years | 5.7% |
| 10 to 14 years | 4.6% |
| 15 to 19 years | 6.3% |
| 20 to 24 years | 7.7% |
| 25 to 34 years | 13.9% |
| 35 to 44 years | 12.9% |
| 45 to 54 years | 12.0% |
| 55 to 59 years | 7.0% |
| 60 to 64 years | 7.1% |
| 65 to 74 years | 8.3% |
| 75 to 84 years | 4.4% |
| 85 years and over | 4.7% |
The median household income in ZIP Code 12304 is $50,949, while the region's mean household income is $68,571. Breaking income down further, per capita income in the region is $28,799. The per capita income in ZIP Code 12304 of $28,799 is approximately 26.77% less than the per capita income in the U.S. overall of $39,326. An estimated 8.9% of the population is living below the poverty line in this region. This rate is approximately 6.32% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 15.7% of the population in 12304 earn $35,000 to $49,999 per year, while an estimated 15.3% earn $50,000 to $74,999 per year, and 1.7% of 12304 residents earn $200,000 or more per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 4.4% |
| $10,000 to $14,999 per year | 6.4% |
| $15,000 to $24,999 per year | 10.8% |
| $25,000 to $34,999 per year | 12.2% |
| $35,000 to $49,999 per year | 15.7% |
| $50,000 to $74,999 per year | 15.3% |
| $75,000 to $99,999 per year | 13.1% |
| $100,000 to $149,999 per year | 14.3% |
| $150,000 to $199,999 per year | 6.2% |
| $200,000 or more per year | 1.7% |
Looking at race in the population that makes up ZIP Code 12304, 92.3% is one race, while 7.7% are two or more races. Approximately 10.7% of 12304 residents are hispanic or Latino (of any race). The most common race in 12304 (race alone or in combination with one or more other races), is White (63.6%), followed by Black or African American (21.3%) .
| Industry | Percent |
|---|---|
| White | 63.6% |
| Black or African American | 21.3% |
| American Indian and Alaska Native | 1.2% |
| Asian | 10.6% |
| Native Hawaiian and Other Pacific Islander | 1.8% |
| Some other race | 9.7% |
In ZIP Code 12304, 88.2% of the population lists "English only" as the language spoken in home, while 4.3% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 4.7% of homes, and other Indo-European languages are spoken in 2.3% of homes. Lastly, 0.6% 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 | 88.2% |
| Spanish | 4.3% |
| Other Indo-European languages | 4.7% |
| Asian and Pacific Islander languages | 2.3% |
| Other languages | 0.6% |
Regarding the age of homes in ZIP Code 12304, an estimated 37.0% of homes were built in 1939 or earlier. Additionally, 12.8% of homes in the region were built between 1950 and 1959, while an estimated 1.1% of homes were built in 2014 or later in this Schenectady County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 1.1% |
| Built between 2010 and 2013 | 1.9% |
| Built between 2000 and 2009 | 4.2% |
| Built between 1990 and 1999 | 5.5% |
| Built between 1980 and 1989 | 9.1% |
| Built between 1970 and 1979 | 12.1% |
| Built between 1960 and 1969 | 6.8% |
| Built between 1950 and 1959 | 12.8% |
| Built between 1940 and 1949 | 9.5% |
| Built in 1939 or earlier | 37.0% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 12304 is current access to health insurance, as an estimated 91.3% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 12304 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 91.3% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 12304 has an average daily solar radiation level of 4.58 kWh/m2/day. This is approximately 11.17% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 30.5% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 12304 | 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 12304 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.29 | 1.9 | 5.84 |
| Feb | 4.17 | 3 | 6.31 |
| Mar | 5 | 3.65 | 7.02 |
| Apr | 5.32 | 5.13 | 7.3 |
| May | 5.41 | 5.17 | 7.13 |
| Jun | 5.14 | 5.72 | 6.95 |
| Jul | 5.81 | 6.22 | 6.51 |
| Aug | 5.75 | 6.08 | 6.65 |
| Sep | 5.13 | 5.15 | 7.02 |
| Oct | 3.98 | 3.32 | 6.92 |
| Nov | 3.28 | 2.33 | 5.99 |
| Dec | 2.68 | 1.78 | 5.46 |
In 12304, 59.3% of the population is in the labor force. Recent estimates place 3.9% as working from home, while the total labor force in the region has a mean travel to time to work of 21.0 minutes. Approximately 26.9% of the employed population 16 years and over in 12304 work in educational services, and health care and social assistance, while an estimated 11.4% work in arts, entertainment, and recreation, and accommodation and food services. On the lower end of the scale, just 0.3% of 12304 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.3% |
| Construction | 4.9% |
| Manufacturing | 4.8% |
| Wholesale trade | 4.5% |
| Retail trade | 11.3% |
| Transportation and warehousing, and utilities | 5.9% |
| Information | 1.8% |
| Finance and insurance, and real estate and rental and leasing | 7.2% |
| Professional, scientific, management, and administrative | 9.9% |
| Educational services, and health care and social assistance | 26.9% |
| Arts, entertainment, and recreation, and accommodation and food services | 11.4% |
| Other services, except public administration | 3.5% |
| Public administration | 7.6% |
Regarding consumer complaints about financial products in ZIP Code 12304, credit reporting or other personal consumer reports have received the most complaints in 12304 in the past 12 months. Credit reporting or credit repair services received the second most complaints. The most frequent complaint overall in this Schenectady County region was improper use of a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or other personal consumer reports | 65 |
| Credit reporting or credit repair services | 60 |
| Debt collection | 16 |
| Credit card | 9 |
| Mortgage | 8 |
| Other | 16 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Improper use of your report | 62 |
| Incorrect information on your report | 46 |
| Attempts to collect debt not owed | 11 |
| Problem with a company's investigation into an existing problem | 10 |
| Problem with a credit reporting company's investigation | 6 |
| Other | 39 |