Rent in 12307 (Schenectady, NY)
In ZIP 12307 (Schenectady, NY), a 2-bedroom typically rents for $1,109–$1,711 a month, 35% below the Schenectady County Fair Market Rent of $1,711. Other sizes: studio $1,238, 1 bed $729–$1,425, 3 beds $1,186–$2,039, 4 beds $2,249. Owner-occupied homes in Schenectady County pay about 2.36% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.32% in the week of Oct 22, 2026.
Rent by bedrooms
| Size | Range | Best guess | County FMR |
|---|---|---|---|
| Studio | $1,238 | $1,238 | $1,238used above |
| 1 bed | $729–$1,425 | $729 | $1,42549% below |
| 2 beds | $1,109–$1,711 | $1,109 | $1,71135% below |
| 3 beds | $1,186–$2,039 | $1,186 | $2,03942% below |
| 4 beds | $2,249 | $2,249 | $2,249used above |
- Studio: HUD Fair Market Rent (county) $1,238 (Oct 1, 2026)
- 1 bed: Census ACS 5-year median gross rent $729 ±$90 (Dec 31, 2024); HUD Fair Market Rent (county) $1,425 (Oct 1, 2026)
- 2 beds: Census ACS 5-year median gross rent $1,109 ±$319 (Dec 31, 2024); HUD Fair Market Rent (county) $1,711 (Oct 1, 2026)
- 3 beds: Census ACS 5-year median gross rent $1,186 ±$57 (Dec 31, 2024); HUD Fair Market Rent (county) $2,039 (Oct 1, 2026)
- 4 beds: HUD Fair Market Rent (county) $2,249 (Oct 1, 2026)
Gross rent (rent plus tenant-paid utilities). Sources: Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
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Frequently asked questions
- What is the rent for a 2-bedroom in 12307?
- Typically $1,109–$1,711 a month, with a best guess of $1,109. That is 35% below the Schenectady County Fair Market Rent ($1,711).
- What is the rent for a 1-bedroom in 12307?
- Typically $729–$1,425 a month, with a best guess of $729. That is 49% below the Schenectady County Fair Market Rent ($1,425).
- What is the rent for a 3-bedroom in 12307?
- Typically $1,186–$2,039 a month, with a best guess of $1,186. That is 42% below the Schenectady County Fair Market Rent ($2,039).
- What is the rent for a studio in 12307?
- $1,238 a month, the HUD Fair Market Rent for Schenectady County; there is no ZIP-level figure for 12307.
- What is the rent for a 4-bedroom in 12307?
- $2,249 a month, the HUD Fair Market Rent for Schenectady County; there is no ZIP-level figure for 12307.
- What is the property tax rate in ZIP 12307?
- Owner-occupied homes in Schenectady County pay a typical 2.36% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.32% in the week of Oct 22, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do the 12307 rent figures come from?
- Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).