San Jose CA vs Schenectady NY — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
San Jose, CA
California · Population: 990,054
- Median HH Income$141,565
- Median Home Price$1,452,609
- Unemployment4.7%
- Bachelor's+46.5%
Schenectady, NY
New York · Population: 28,542
- Median HH Income$100,485
- Median Home Price$321,835
- Unemployment2.3%
- Bachelor's+58.8%
Detailed Comparison
Demographics
Population
San Jose
990,054
San Jose +
Schenectady
28,542
Pop. Density / sq mi
Lower = more space
San Jose
N/A
Schenectady
N/A
Median Age
San Jose
38.1
San Jose +
Schenectady
42.3
Foreign Born
San Jose
41.6%
San Jose +
Schenectady
6.8%
White
San Jose
29.0%
Schenectady
86.7%
Schenectady +
Black
San Jose
2.9%
Schenectady
3.1%
Schenectady +
Asian
San Jose
38.6%
San Jose +
Schenectady
3.0%
Hispanic
San Jose
30.9%
San Jose +
Schenectady
4.7%
Spanish at Home
San Jose
N/A
Schenectady
N/A
| Metric | San Jose, CA | Schenectady, NY | Better |
|---|---|---|---|
| Population | 990,054 | 28,542 | San Jose + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 38.1 | 42.3 | San Jose + |
| Foreign Born | 41.6% | 6.8% | San Jose + |
| White | 29.0% | 86.7% | Schenectady + |
| Black | 2.9% | 3.1% | Schenectady + |
| Asian | 38.6% | 3.0% | San Jose + |
| Hispanic | 30.9% | 4.7% | San Jose + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
San Jose
$141,565
San Jose +
Schenectady
$100,485
Per Capita Income
San Jose
$63,253
San Jose +
Schenectady
$62,931
Per Capita Personal Income (MSA)
BEA MSA-level
San Jose
$77,230
Schenectady
$77,425
Schenectady +
Unemployment Rate
San Jose
4.7%
Schenectady
2.3%
Schenectady +
Poverty Rate
San Jose
7.8%
San Jose +
Schenectady
10.3%
Bachelor's Degree+
San Jose
46.5%
Schenectady
58.8%
Schenectady +
| Metric | San Jose, CA | Schenectady, NY | Better |
|---|---|---|---|
| Median HH Income | $141,565 | $100,485 | San Jose + |
| Per Capita Income | $63,253 | $62,931 | San Jose + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,230 | $77,425 | Schenectady + |
| Unemployment Rate | 4.7% | 2.3% | Schenectady + |
| Poverty Rate | 7.8% | 10.3% | San Jose + |
| Bachelor's Degree+ | 46.5% | 58.8% | Schenectady + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
San Jose
$1,452,609
Schenectady
$321,835
Schenectady +
Homeownership Rate
San Jose
56.0%
Schenectady
57.5%
Schenectady +
| Metric | San Jose, CA | Schenectady, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $1,452,609 | $321,835 | Schenectady + |
| Homeownership Rate | 56.0% | 57.5% | Schenectady + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
San Jose
503
Schenectady
434
Schenectady +
Property Crime / 100K
FBI CDE (state-level est.)
San Jose
2388
Schenectady
1736
Schenectady +
| Metric | San Jose, CA | Schenectady, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 503 | 434 | Schenectady + |
| Property Crime / 100KFBI CDE (state-level est.) | 2388 | 1736 | Schenectady + |
Health
Obesity Rate
CDC PLACES
San Jose
23.7%
San Jose +
Schenectady
38.6%
Diabetes Rate
CDC PLACES
San Jose
11.1%
San Jose +
Schenectady
12.3%
Poor Mental Health
CDC PLACES — 14+ days/month
San Jose
14.9%
San Jose +
Schenectady
19.2%
No Health Insurance
CDC PLACES
San Jose
9.1%
San Jose +
Schenectady
9.7%
Binge Drinking
CDC PLACES
San Jose
13.0%
San Jose +
Schenectady
15.2%
Current Smokers
CDC PLACES
San Jose
9.4%
San Jose +
Schenectady
16.9%
| Metric | San Jose, CA | Schenectady, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 23.7% | 38.6% | San Jose + |
| Diabetes RateCDC PLACES | 11.1% | 12.3% | San Jose + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 14.9% | 19.2% | San Jose + |
| No Health InsuranceCDC PLACES | 9.1% | 9.7% | San Jose + |
| Binge DrinkingCDC PLACES | 13.0% | 15.2% | San Jose + |
| Current SmokersCDC PLACES | 9.4% | 16.9% | San Jose + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
San Jose
61.5°F
Schenectady
N/A
Annual Precipitation
NOAA 1991–2020 normal
San Jose
14.9 in
Schenectady
N/A
| Metric | San Jose, CA | Schenectady, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 61.5°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 14.9 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
San Jose
7.9 µg/m³
San Jose +
Schenectady
8.1 µg/m³
Good Air Days
AQI ≤ 50
San Jose
75.0%
Schenectady
75.0%
Tie
| Metric | San Jose, CA | Schenectady, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.9 µg/m³ | 8.1 µg/m³ | San Jose + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
San Jose
30.4 min
Schenectady
26.2 min
Schenectady +
| Metric | San Jose, CA | Schenectady, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 30.4 min | 26.2 min | Schenectady + |
Which City is Right for You?
San Jose leads in median household income at $141,565, while schenectady offers more affordable housing with a median home price of $321,835. On public safety, Schenectady is safer with a violent crime rate of 434 per 100,000 residents, compared to 503 in San Jose. Schenectady has a lower unemployment rate at 2.3%, and San Jose has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, San Jose scores better with a lower obesity rate of 23.7%.
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