The story of this market
The typical home in Schoharie County, New York sells for about $285,000, or $165 per square foot.
Prices are roughly flat from a year ago (-0.066%), a market in balance. Homes take about 58 days to sell. Over the long run, values in this county have grown 60% since 2002. Last year 2 of 6 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,711 a month.
HUD sets the fair market rent for a 2-bedroom at $1,711 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2002–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2005 (+14.7%). Worst: 2015 (-5.2%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.5%
NY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,039
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2002–2025
0%
2025 change
FHFA repeat-sales index, median of 6 census tracts in this county (2002 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
63
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $13,073,280.
Mortgage activity
Home lending in this county
71.6%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 1130 | 592 | 71.6% | 2.4% | $165,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Schoharie County, New York
The Schoharie County housing market is currently stable, characterized by moderate inventory levels and steady pricing. Demand remains consistent, driven by local buyers and those seeking rural living, while limited new construction keeps supply tight.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2024) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 22 cities · 17 ZIP reports
Median prices moved up 4.7% year over year.
Homes spend a median of 44 days on market with 2.3 months of supply — a fast-moving market.
8% of listings have cut prices · homes sell at 97.09% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.2% · poverty 11.7% — a stable, low-distress profile.
Deterministic aggregate of 15 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 17
researched Oct 1
researched Sep 19
researched Sep 20
researched Sep 16
researched Sep 16
researched Sep 16
| 12035 | Carlisle | $335,000 | $226 | +4.8% | 57 | 100% | — | 9.6 | 131 | $1,075 | researched Sep 16 |
| 12036 | Central Bridge | $299,000 | $178 | +5.4% | 14 | 100% | — | — | 43 | $1,500 | researched Sep 16 |
| 12043 | Cobleskill | $171,900 | $115 | +3.2% | 45 | 98.5% | 12% | 4.2 | 35 | $875 | researched Sep 16 |
| 12057 | Gilboa | $365,000 | $226 | +5.1% | 46 | — | — | — | 38 | $1,711 | researched Sep 17 |
| 12066 | Esperance | $481,102 | $215 | +4.2% | 28 | 99.2% | 8% | 3.2 | 12 | $1,154 | researched Oct 1 |
| 12071 | Gallupville | $378,000 | $217 | +10.2% | 11 | — | — | 2.4 | 70 | $771 | researched Sep 19 |
| 12076 | Sharon Springs | $389,000 | $226 | +3.3% | 10 | 102.1% | 22.4% | 2.4 | 70 | $990 | researched Sep 20 |
| 12093 | Jefferson | $245,000 | $142 | +4.3% | 88 | 97.5% | 7.1% | 7 | 14 | $1,250 | researched Sep 16 |
| 12122 | Middleburgh | $279,900 | $158 | 0% | 72 | — | — | — | 47 | $1,106 | researched Sep 16 |
| 12131 | North Blenheim | $245,000 | $142 | +4.2% | 68 | 97.5% | 8.3% | 6 | 12 | $950 | researched Sep 16 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Crime rates in Schoharie County remain low compared to state and national averages, with rural settings contributing to a generally safe environment.
Public schools in the county are primarily organized into small, community-focused districts that generally meet state performance standards.
The county faces periodic flood risks, particularly in low-lying areas near the Schoharie Creek, and maintains standard insurance requirements for regional weather events.
Economic momentum is driven by local agriculture, tourism, and small-scale manufacturing, with ongoing efforts to improve digital infrastructure for remote work.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (New York) — Income-Based Assessment for Affordable Rental Housing: The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs. State (New York) — Real Property Tax Assessment: Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions.
The economy is anchored by agriculture, tourism, and public sector employment, with a focus on small business development.
Transportation is primarily served by state routes including NY-30 and NY-145, with limited public transit options.
The county utilizes a centralized assessment system to determine property values for tax purposes based on market data.
The county is served by various school districts and fire protection districts that operate independently of municipal boundaries.
Property insurance markets are stable, though premiums reflect regional risks associated with flood and severe weather.
- Zoom Flume Water Park4.426.2 mi
- The Local FFF - Fun! Funner! Funnest!4.428.1 mi
- NYzipline4.929.2 mi
- Windham Mountain Club4.327.9 mi
- Indian Ladder Farms4.526.7 mi
- Brooks' House of Bar-B-Q4.329.7 mi
- Fenimore Art Museum4.822.1 mi
- Altamont Fair4.224.5 mi
- Howe Caverns4.65.9 mi
- Mine Kill State Park4.815.3 mi
- Secret Caverns4.66.6 mi
- Vroman's Nose Hiking Trail4.88.3 mi
- Iroquois Museum4.65.3 mi
- National Baseball Hall of Fame and Museum4.821.7 mi
- Fenimore Art Museum4.822.1 mi
- Fenimore Farm and Country Village4.722.2 mi
- Mabee Farm Historic Site4.727.8 mi
- National Shrine of Our Lady of Martyrs4.821.2 mi
- Mine Kill State Park4.815.3 mi
- Vroman's Nose Hiking Trail4.88.3 mi
- Christman Sanctuary4.719.8 mi
- Landis Arboretum4.814.6 mi
- Max V. Shaul State Park4.78.8 mi
- The Lake House Restaurant & Lodge3.827.8 mi
- St Johnsville Municipal Marina & RV Campground4.625.2 mi
- Cobleskill Golf & Country Club4.63 mi
- Canajoharie Golf and Country Club4.615.7 mi
- Schoharie Valley Farms/The Carrot Barn4.810.4 mi
- Price Chopper42.3 mi
- Price Chopper3.818.6 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Features a scenic waterfall, hiking trails, and swimming facilities, serving as a major outdoor recreation hub.
A world-renowned geological attraction that draws significant tourism to the county.
Data retrieved from Census Reporter profile for Schoharie County, NY.
applies when — Applies to residential rental property where at least 20% of units are subject to an agreement restricting occupancy to income-qualified tenants.
The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs.
N.Y. Real Property Tax Law Section 581-A
New York is a judicial foreclosure state, meaning the lender must file a lawsuit in court to foreclose on a property. The process typically takes approximately one year from the start of the case to the sale of the home.
New York Real Property Actions and Proceedings Law
applies when — Applies to the sale of residential real property (up to four units).
Sellers are required to provide a Property Condition Disclosure Statement to the buyer. Failure to provide the statement may result in a credit of $500 to the buyer at closing. Knowingly false or incomplete statements may subject the seller to legal claims.
New York Real Property Law Article 14, Section 462
Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions. Owners of one, two, or three-family owner-occupied residential property have the right to Small Claims Assessment Review (SCAR) to challenge assessments.
New York Real Property Tax Law Article 3 and 7
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.