HomeNew YorkSchenectady CountySchenectady city
Schenectady city, New York: commercial real estate data.
Schenectady city 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.
82 sourced place values · tier FULL · 9 sections · 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$717,000
- Largest approval$4,125,000
- Jobs supported703
- Jobs per approval7.9
- Loans with a final outcome14
- Paid in full14
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- 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
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$357,000
- Largest approval$4,447,000
- Jobs supported349
- Loans with a final outcome13
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Schenectady
Flood risk in Schenectady
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360741
- Currently effective map date01/08/14
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Schenectady County, not Schenectady
Schenectady County context, not Schenectady figures
These are Schenectady County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Schenectady measurements.
- Establishments in Schenectady County2,911
- Employment at those establishments, Schenectady County51,797
- Covered employment, Schenectady County58,509
- Average annual pay, Schenectady County$73,794
- Average weekly wage, Schenectady County$1,419
- Housing units permitted, Schenectady County154
- Of those, single family, Schenectady County78
- County product, 2024, Schenectady County$12,310,463,000
- County product change over the prior year, Schenectady County5.2 percent
- Average income of an arriving household, Schenectady County$59,683
Every figure in this section is published for Schenectady County as a whole and is not a measurement of Schenectady. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $33.4 m, across 25 lenders, median approval $100,000, plus 28 504 approvals worth $19.6 m. 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?
Of the 14 loans that have reached a final outcome, 14 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Schenectady in the National Flood Insurance Program?
Yes. Schenectady appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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