The story of this market
The typical home in ZIP 12157 sells for about $449,900, or $168 per square foot.
Prices are roughly flat from a year ago (0%), a market in balance. Homes take about 35 days to sell. HUD's fair market rent for a two-bedroom is $887 a month.
ZIP 12157 — Schoharie
The 12157 housing market is characterized by low inventory and a slow, steady pace of sales typical of rural upstate New York. Prices remain stable, driven by limited supply and consistent demand from local buyers seeking single-family homes. Market activity is currently balanced, with few price adjustments observed in recent listings.
This ZIP is best suited for family buyers and individuals seeking a rural lifestyle with more space and lower density, while still maintaining a manageable commute to the Capital District.
Median prices moved sideways 0.0% year over year.
Homes spend a median of 35 days on market with 4.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.6% · poverty 10.7% — a stable, low-distress profile.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 12157, 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 the Schoharie Central School District, which provides rural public education options for the local community.
The region is subject to standard New York State climate risks, including seasonal flooding in low-lying areas near the Schoharie Creek and winter storm exposure.
Economic momentum is driven by local agricultural, small-scale commercial, and government-sector employment in the broader Schoharie and Albany County regions.
Property taxes are assessed at the town and county level in Schoharie County, with rates influenced by local school district levies and municipal budgets.
Commuting typically requires personal vehicle use, with travel times to Albany or Schenectady employment hubs ranging from 30 to 45 minutes via state highways.
The area features access to rural outdoor amenities, including proximity to Schoharie Creek for fishing and local parks for hiking and community events.
The rental market is limited in depth, primarily consisting of single-family home rentals with low turnover and minimal short-term rental saturation.
The economy is anchored by local government, education, and agricultural industries, with many residents commuting to the nearby Albany-Schenectady-Troy metro area.
Transportation is heavily reliant on private vehicle infrastructure, with limited public transit options available in this rural setting.
Development is primarily focused on low-density residential expansion and small-scale commercial improvements within the town of Schoharie.
The Schoharie County Real Property Tax Service Agency oversees assessment standards and equalization rates for the county's municipalities.
Parcels are subject to Schoharie Central School District taxes and local municipal fire and utility district assessments.
Property insurance premiums are influenced by regional wildfire and flood risk assessments common to rural upstate New York.
Data retrieved from US Census Bureau 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.
- Zoom Flume Water Park4.419.7 mi
- The Local FFF - Fun! Funner! Funnest!4.419 mi
- Indian Ladder Farms4.516 mi
- Altamont Fair4.214.1 mi
- Maple Ski Ridge4.517.6 mi
- Canali's Italian & American Restaurant4.618.2 mi
- Schoharie County Sunshine Fair4.210.1 mi
- Howe Caverns4.66.6 mi
- Secret Caverns4.66.9 mi
- Vroman's Nose Hiking Trail4.85 mi
- Iroquois Museum4.66.9 mi
- Landis Arboretum4.89.6 mi
- National Shrine of Our Lady of Martyrs4.819.4 mi
- Iroquois Museum4.66.9 mi
- Old Stone Fort Museum4.62.4 mi
- New York Power Authority Blenheim-Gilboa Visitor Center4.616.2 mi
- Historic Blenheim Covered Bridge4.614.3 mi
- Vroman's Nose Hiking Trail4.85 mi
- Christman Sanctuary4.710.6 mi
- Huyck Preserve4.811.7 mi
- Landis Arboretum4.89.6 mi
- Max V. Shaul State Park4.79.2 mi
- Cobleskill Golf & Country Club4.68.6 mi
- Schoharie Valley Farms/The Carrot Barn4.82.8 mi
- Price Chopper49.7 mi
- Albany International Airport4.125.7 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
A major regional waterway providing recreational fishing and scenic views.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.