The 12308 ZIP Code is primarily associated with Schenectady, NY (Schenectady County) in the U.S. The current population estimate is 14,699. Median househould income in this region is $48,092, while about 15% of the population lives below the poverty line. Approximately 30.0% of residents in this New York region have a bachelor's degree or higher, and the per capita income is an estimated $25,146. The median age in ZIP Code 12308 is approximately 33.8 years, with 16.4% of residents aged 62 years and older.
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In ZIP Code 12308, 88.1% of the population graduated high school, while 30.0% have a bachelor's degree or higher. In this region, 6.2% achieved an education level less than 9th grade, while 10.8% hold a graduate or professional degree. Approximately 32.9% 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 | 5.7% |
| High school graduate (includes equivalency) | 32.9% |
| Some college, no degree | 13.5% |
| Associate's degree | 11.7% |
| Bachelor's degree | 19.2% |
| Graduate or professional degree | 10.8% |
Residents of ZIP Code 12308 are younger than average. The median age of 33.8 years in ZIP Code 12308 is approximately 11.29% lower than the overall median age in the U.S. of 38.1 years. About 81.5% of residents are aged 18 years and older, and 16.4% of residents are 62 years and over. Approximately 16.0% of the population in 12308 falls in the age group 25 to 34 years, while an estimated 13.5% are aged 35 to 44 years. On the low end of the scale, 1.6% of 12308 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 7.2% |
| 5 to 9 years | 4.7% |
| 10 to 14 years | 4.0% |
| 15 to 19 years | 9.8% |
| 20 to 24 years | 10.0% |
| 25 to 34 years | 16.0% |
| 35 to 44 years | 13.5% |
| 45 to 54 years | 10.6% |
| 55 to 59 years | 5.6% |
| 60 to 64 years | 6.3% |
| 65 to 74 years | 7.5% |
| 75 to 84 years | 3.1% |
| 85 years and over | 1.6% |
The median household income in ZIP Code 12308 is $48,092, while the region's mean household income is $61,385. Breaking income down further, per capita income in the region is $25,146. The per capita income in ZIP Code 12308 of $25,146 is approximately 36.06% less than the per capita income in the U.S. overall of $39,326. An estimated 15.0% of the population is living below the poverty line in this region. This rate is approximately57.89% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 18.4% of the population in 12308 earn $50,000 to $74,999 per year, while an estimated 14.7% earn $15,000 to $24,999 per year, and 2.3% of 12308 residents earn $200,000 or more per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 7.1% |
| $10,000 to $14,999 per year | 7.0% |
| $15,000 to $24,999 per year | 14.7% |
| $25,000 to $34,999 per year | 10.0% |
| $35,000 to $49,999 per year | 12.7% |
| $50,000 to $74,999 per year | 18.4% |
| $75,000 to $99,999 per year | 10.2% |
| $100,000 to $149,999 per year | 13.6% |
| $150,000 to $199,999 per year | 4.1% |
| $200,000 or more per year | 2.3% |
Looking at race in the population that makes up ZIP Code 12308, 93.4% is one race, while 6.6% are two or more races. Approximately 9.2% of 12308 residents are hispanic or Latino (of any race). The most common race in 12308 (race alone or in combination with one or more other races), is White (68.2%), followed by Black or African American (20.3%) .
| Industry | Percent |
|---|---|
| White | 68.2% |
| Black or African American | 20.3% |
| American Indian and Alaska Native | 1.9% |
| Asian | 8.1% |
| Native Hawaiian and Other Pacific Islander | 0.2% |
| Some other race | 8.0% |
In ZIP Code 12308, 85.9% of the population lists "English only" as the language spoken in home, while 5.3% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 5.2% of homes, and other Indo-European languages are spoken in 2.0% of homes. Lastly, 1.6% 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 | 85.9% |
| Spanish | 5.3% |
| Other Indo-European languages | 5.2% |
| Asian and Pacific Islander languages | 2.0% |
| Other languages | 1.6% |
Regarding the age of homes in ZIP Code 12308, an estimated 54.9% of homes were built in 1939 or earlier. Additionally, 10.4% of homes in the region were built between 1950 and 1959, while an estimated 0.0% of homes were built between 2010 and 2013 in this Schenectady County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.6% |
| Built between 2010 and 2013 | 0.0% |
| Built between 2000 and 2009 | 0.9% |
| Built between 1990 and 1999 | 3.2% |
| Built between 1980 and 1989 | 5.9% |
| Built between 1970 and 1979 | 6.5% |
| Built between 1960 and 1969 | 9.6% |
| Built between 1950 and 1959 | 10.4% |
| Built between 1940 and 1949 | 8.0% |
| Built in 1939 or earlier | 54.9% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 12308 is current access to health insurance, as an estimated 91.7% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 12308 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 91.7% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 12308 has an average daily solar radiation level of 4.75 kWh/m2/day. This is approximately 15.29% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 27.92% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 12308 | 11.74¢/kWh | 5.99¢/kWh | 4.79¢/kWh |
| New York | 24.98¢/kWh | 19.1¢/kWh | 9.46¢/kWh |
| United States | 16.94¢/kWh | 13.2¢/kWh | 8.21¢/kWh |
| Month | ZIP Code 12308 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.31 | 1.9 | 5.84 |
| Feb | 4.66 | 3 | 6.31 |
| Mar | 5.24 | 3.65 | 7.02 |
| Apr | 5.31 | 5.13 | 7.3 |
| May | 5.53 | 5.17 | 7.13 |
| Jun | 5.79 | 5.72 | 6.95 |
| Jul | 5.91 | 6.22 | 6.51 |
| Aug | 5.89 | 6.08 | 6.65 |
| Sep | 5.22 | 5.15 | 7.02 |
| Oct | 4.09 | 3.32 | 6.92 |
| Nov | 3.4 | 2.33 | 5.99 |
| Dec | 2.65 | 1.78 | 5.46 |
In 12308, 60.9% of the population is in the labor force. Recent estimates place 4.3% as working from home, while the total labor force in the region has a mean travel to time to work of 22.0 minutes. Approximately 30.0% of the employed population 16 years and over in 12308 work in educational services, and health care and social assistance, while an estimated 13.8% work in retail trade. On the lower end of the scale, just 0.1% of 12308 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.1% |
| Construction | 4.3% |
| Manufacturing | 8.5% |
| Wholesale trade | 1.2% |
| Retail trade | 13.8% |
| Transportation and warehousing, and utilities | 3.4% |
| Information | 2.1% |
| Finance and insurance, and real estate and rental and leasing | 4.1% |
| Professional, scientific, management, and administrative | 11.6% |
| Educational services, and health care and social assistance | 30.0% |
| Arts, entertainment, and recreation, and accommodation and food services | 9.5% |
| Other services, except public administration | 2.9% |
| Public administration | 8.6% |
Regarding consumer complaints about financial products in ZIP Code 12308, credit reporting or other personal consumer reports have received the most complaints in 12308 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 incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or other personal consumer reports | 90 |
| Credit reporting or credit repair services | 27 |
| Debt collection | 4 |
| Student loan | 2 |
| Checking or savings account | 1 |
| Other | 4 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 90 |
| Improper use of your report | 20 |
| Problem with a credit reporting company's investigation | 5 |
| Attempts to collect debt not owed | 4 |
| Dealing with your lender or servicer | 2 |
| Other | 7 |