The story of this market
The typical home in ZIP 12043 sells for about $171,900, or $115 per square foot.
Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 45 days to sell. HUD's fair market rent for a two-bedroom is $875 a month.
ZIP 12043 — Cobleskill
The housing market in 12043 remains stable with modest price appreciation and low inventory levels. Demand is supported by the local institutional presence and the area's affordability relative to the broader Albany metro market.
This ZIP is well-suited for families and individuals seeking a quiet, rural lifestyle with access to higher education and a lower cost of living compared to the Albany metro core.
Median prices moved up 3.2% year over year.
Homes spend a median of 45 days on market with 4.2 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.3% · poverty 14.0% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 1.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 1.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 12043, Schoharie County NY
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the Cobleskill area are generally low and consistent with rural Schoharie County, trending stable compared to regional urban centers.
The area is served primarily by the Cobleskill-Richmondville Central School District, which maintains a stable reputation for rural public education.
The region faces moderate risks from seasonal flooding near local creeks and winter weather events, with standard insurance coverage recommended.
Economic momentum is driven by the presence of SUNY Cobleskill and local agricultural and manufacturing sectors, providing a stable employment base.
Property taxes are levied by Schoharie County, the Town of Cobleskill, and the local school district, with rates reflecting standard New York state assessment practices.
Commuting typically requires personal vehicles, with travel times to the Albany employment core averaging 45-55 minutes via I-88.
The area features access to local parks, hiking trails, and the recreational facilities associated with SUNY Cobleskill, with basic shopping available in the village center.
The rental market is characterized by moderate demand driven by students and faculty, with limited vacancy pressure and stable rent growth.
The economy is anchored by SUNY Cobleskill, local government, and a mix of agricultural and small-scale manufacturing businesses.
Transportation is heavily reliant on private vehicles, with I-88 serving as the primary corridor for regional connectivity.
Development is largely focused on small-scale residential infill and maintenance of existing commercial infrastructure.
Parcels are subject to school district taxes and local municipal levies typical of rural New York jurisdictions.
Property insurance markets are stable, though premiums reflect regional exposure to severe winter weather and occasional flooding.
Data retrieved from US Census Bureau ZCTA 12043 profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Fenimore Art Museum4.819.9 mi
- NY RacePort4.819.6 mi
- Fonda Speedway4.518.9 mi
- Fonda Fairgrounds4.318.9 mi
- Schoharie County Sunshine Fair4.23.5 mi
- Howe Caverns4.66.9 mi
- Secret Caverns4.67.2 mi
- Vroman's Nose Hiking Trail4.811.9 mi
- Iroquois Museum4.66.5 mi
- Wintergreen Park4.512.3 mi
- National Baseball Hall of Fame and Museum4.819.7 mi
- Fenimore Art Museum4.819.9 mi
- National Shrine of Our Lady of Martyrs4.819.1 mi
- Iroquois Museum4.66.5 mi
- Hyde Hall4.718.2 mi
- Vroman's Nose Hiking Trail4.811.9 mi
- Wintergreen Park4.512.3 mi
- Max V. Shaul State Park4.712.8 mi
- Lily Park4.712 mi
- Iorio Park4.33.4 mi
- Cobleskill Golf & Country Club4.64.7 mi
- Canajoharie Golf and Country Club4.611.6 mi
- Schoharie Valley Farms/The Carrot Barn4.812.1 mi
- Price Chopper43.6 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Major regional anchor institution providing cultural and athletic events.
Central community space for local gatherings and recreation.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.