The story of this market
The typical home in ZIP 12093 sells for about $245,000, or $142 per square foot.
Prices are up +4.3% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,250 a month.
ZIP 12093 — Jefferson
The housing market in 12093 remains stable with low inventory and modest price appreciation. Demand is driven by local residents and those seeking rural living, though the limited number of sales reflects the tight supply typical of this rural area.
This ZIP is best suited for those seeking a quiet, rural lifestyle, including families and remote workers who prioritize space and affordability over proximity to urban centers.
Median prices moved up 4.3% year over year.
Homes spend a median of 88 days on market with 7.0 months of supply — a slower-moving market.
7% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 8.5% · poverty 10.3% — 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 4.5%/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 2.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 12093, 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.
The area is served by rural school districts with limited public data available; performance is generally consistent with regional rural averages.
The region is subject to standard New York State flood and winter weather risks; insurance availability remains stable but premiums are sensitive to regional climate trends.
Economic momentum is driven by local agriculture, small-scale tourism, and proximity to regional hubs in the Capital District; development is primarily low-density residential.
Property taxes are levied by Schoharie County, the town, and the local school district; rates are typical for rural New York with standard exemptions for primary residences.
Commuting is primarily car-dependent, with residents traveling toward the Albany-Schenectady-Troy employment core via state routes.
The area features access to rural outdoor amenities including hiking trails, state forests, and local parks; shopping and dining are concentrated in nearby larger towns.
The rental market is characterized by low inventory and high demand for single-family homes; short-term rental activity is present due to regional tourism.
The local economy is anchored by agriculture, small businesses, and public sector employment within the broader Capital District region.
Transportation is dominated by private vehicle use; there is no significant public transit infrastructure serving this rural ZIP code.
Development is limited to small-scale residential improvements and agricultural infrastructure; no major commercial projects are currently reported.
Schoharie County utilizes a standard assessment regime based on market value, with periodic revaluations to ensure tax equity.
Parcels are subject to school district taxes and county-level special districts for fire and emergency services.
Property insurance is readily available, though premiums are influenced by the rural nature of the area and proximity to emergency services.
New York is a judicial foreclosure state, requiring court intervention for all foreclosure proceedings.
New York requires a standard property condition disclosure statement from sellers, with limited exceptions for certain types of transfers.
Data retrieved from data.census.gov ZCTA-level tables.
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.
- NY RacePort4.88.4 mi
- Schoharie County Sunshine Fair4.213.9 mi
- Iroquois Museum4.617 mi
- New York Power Authority Blenheim-Gilboa Visitor Center4.68.5 mi
- Historic Blenheim Covered Bridge4.69.1 mi
- Mine Kill State Park4.89 mi
- Max V. Shaul State Park4.711 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Local community park providing green space and recreational facilities.
Extensive public lands for hiking, hunting, and outdoor recreation.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.