Rent by ZIP code in Schenectady
| ZIP code | County | Typical rent | vs city median |
|---|---|---|---|
| 12304 | Schenectady County | $2,075 | +23% |
| 12306 | Schenectady County | $1,696 | 0% |
| 12302 | Schenectady County | $1,690 | 0% |
| 12308 | Schenectady County | $1,569 | -7% |
| 12305 | Schenectady County | $1,403 | -17% |
Rent by bedroom count in Schenectady
Zillow's index above blends every unit size into one number. For a bedroom level view, these are HUD's FY2027 Fair Market Rents for Schenectady County. They include utilities and sit near the 40th percentile of the market, so treat them as the low side of what a typical unit lists for.
| Unit size | FY2027 Fair Market Rent | Change from FY2026 |
|---|---|---|
| Studio | $1,238 | +1.7% |
| 1 bedroom | $1,425 | +0.6% |
| 2 bedroom | $1,711 | +0.5% |
| 3 bedroom | $2,039 | -0.1% |
| 4 bedroom | $2,249 | -0.2% |
Source: HUD Fair Market Rents. Updates when HUD publishes a new fiscal year.
Is rent going up or down in Schenectady?
Typical rent across Schenectady County is $1,499 as of September 2026. That is up 2.3% from a year earlier and up 28.7% over five years.
| Year | Typical rent, Schenectady County | Change |
|---|---|---|
| 2021 | $1,219 | +14.0% |
| 2022 | $1,278 | +4.9% |
| 2023 | $1,359 | +6.3% |
| 2024 | $1,421 | +4.5% |
| 2025 | $1,478 | +4.0% |
| 2026 (through September) | $1,499 | +1.4% |
Zillow Observed Rent Index for the county, all home types, last published month of each year. Each row is compared with the end of the year before it.
Schenectady rent questions
- What is the average rent in Schenectady, NY?
- Typical asking rent in Schenectady is $1,690 a month as of September 2026, across 5 ZIP codes. By ZIP code it runs from $1,403 to $2,075.
- How much is rent for a 2 bedroom in Schenectady?
- HUD's FY2027 Fair Market Rent for a two bedroom in Schenectady County is $1,711 a month including utilities. A one bedroom is $1,425 and a three bedroom is $2,039. Fair Market Rent is set near the 40th percentile, so a typical unit lists somewhat higher.
- Is rent going up or down in Schenectady?
- Rent is rising. Typical rent in Schenectady County is $1,499 as of September 2026, up 2.3% from a year earlier.
- What is the cheapest ZIP code to rent in Schenectady?
- ZIP 12305 has the lowest typical asking rent in Schenectady at $1,403 a month, compared with $1,690 for the city overall.
- How much income do you need to rent in Schenectady?
- Most landlords look for gross income of about three times the rent. At the typical Schenectady rent of $1,690, that is about $5,070 a month, or $60,840 a year. This is a common screening rule of thumb, and individual landlords set their own.
How to use these numbers
These are Zillow Observed Rent Index values, a smoothed measure of typical asking rent for single family homes, condos, and apartments in each ZIP code. They describe what units are listed for, not what any specific unit will get. Condition, bedroom count, and the exact block all move the number.
If you are underwriting a purchase, use the ZIP figure rather than the city median, and then verify against live listings for the same bedroom count before you commit. Schenectady sits in the Albany-Schenectady-Troy, NY metro area.