HomeNew YorkSchenectady CountySchenectady
Schenectady, New York: commercial real estate data.
Schenectady is a Census city of 68,847 people across 10.81 square miles of land, in Schenectady County. Median household income is $58,399, 45.6 percent of occupied homes are owned, and the SBA record carries 89 7(a) approvals to borrowers here worth $33.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Schenectady
What Schenectady is
- Census place typecity
- Land area10.81 sq mi
- Water area0.17 sq mi
- Population per square mile of land6,370
- County holding the largest share of its areaSchenectady County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schenectady
How many people live in Schenectady
- Population68,847
- Median age36.1
- Population under 1813,667
- Share under 1819.9 percent
- Population 65 and over10,375
- Share 65 and over15.1 percent
- Households29,184
- Family households14,905
- Share of households that are families51.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schenectady
Income and work in Schenectady
- Median household income$58,399
- Per capita income$34,175
- Civilian labor force34,293
- Employed31,294
- Unemployed2,999
- Unemployment rate8.7 percent
- Adults 25 and over46,080
- Adults 25 and over with a high school diploma or higher85.7 percent
- Adults 25 and over with a bachelor degree or higher25.4 percent
- Adults 25 and over with a graduate degree10.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schenectady
Housing in Schenectady
- Housing units31,417
- Occupied units29,184
- Vacant units2,233
- Vacancy rate7.1 percent
- Owner occupied13,319
- Renter occupied15,865
- Ownership rate45.6 percent
- Median owner-occupied home value$168,800
- Median gross rent, monthly$1,145
- Annual rent as a share of median income23.5 percent
- Single family units13,167
- Share single family41.9 percent
- Units in buildings of two or more18,109
- Share in buildings of two or more57.6 percent
- Mobile homes139 plus or minus 101
- Median year structure built1941
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schenectady
How Schenectady gets to work
- Workers 16 and over who commute27,219
- Commuting under 15 minutes9,127
- Share commuting under 15 minutes33.5 percent
- Commuting 30 minutes or more8,084
- Share commuting 30 minutes or more29.7 percent
- Drove alone67.3 percent
- Carpooled9.7 percent plus or minus 2.0
- Public transport6.5 percent plus or minus 1.4
- Walked4.7 percent plus or minus 1.5
- Worked from home10.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schenectady
SBA loans in Schenectady (7(a))
- Approvals89
- Gross approval$33,366,500
- Average approval$374,904
- Median approval$100,000
- Ninetieth percentile approval$643,400
- Largest approval$4,125,000
- Jobs supported703
- Jobs per approval7.9
- Loans with a final outcome14
- Paid in full14
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more11.2 percent
- Share to franchises6.7 percent
- Distinct lenders25
- Distinct industries by NAICS54
Counted by borrower city: approvals to borrowers whose address is in Schenectady, in any county, FY2020 to FY2026. Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Schenectady
SBA loans in Schenectady (504)
- Approvals28
- Gross approval$19,606,000
- Average approval$700,214
- Median approval$352,000
- Largest approval$4,447,000
- Jobs supported349
- Loans with a final outcome13
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Schenectady, in any county, FY2010 to FY2026. Only 13 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Schenectady
Flood risk in Schenectady
- NFIP communityCity of Schenectady
- NFIP community number360741
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/08/14
The City of Schenectady participates in the National Flood Insurance Program as community 360741 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Schenectady County, not Schenectady
Schenectady County context, not Schenectady figures
- Establishments in Schenectady County2,911
- Covered employment, Schenectady County58,509
- Average annual pay, Schenectady County$73,794
- Housing units permitted, Schenectady County154
Every figure in this section is published for Schenectady County as a whole and is not a measurement of Schenectady.
All Schenectady County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Schenectady questions, answered from the record.
How many people live in Schenectady, New York?
68,847, in 29,184 households. Schenectady city covers 10.81 square miles of land, which is 6,370 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Schenectady in?
Schenectady County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Schenectady?
$58,399. The median owner-occupied home is valued at $168,800. Median gross rent is $1,145 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Schenectady businesses?
89 7(a) approvals totaling $33.4 m since FY2020, across 25 lenders, median approval $100,000, plus 28 504 approvals worth $19.6 m since FY2010. These count approvals to borrowers whose address is in Schenectady, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Schenectady borrowers get paid back?
No rate is published for Schenectady. Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Schenectady in the National Flood Insurance Program?
Yes. Schenectady appears in the FEMA Community Status Book as Schenectady, city of, community 360741, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Schenectady figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Schenectady County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Schenectady.
Is zoning published for Schenectady?
No. Nothing on this page presents parcel level zoning.
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