Schoharie, NY—12157
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Schoharie, NY
As of Nov '25, the median home price in Schoharie, NY is $280,000, with a year-over-year change of 6.5%. This indicates that home prices in Schoharie, NY are increasing. According to Zillow, the 1-year price projection is 2.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $280,000 | 6.5% |
| Single Family | $281,000 | 6.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $213,000 | 6.0% |
3 Bed | $274,000 | 5.8% |
4 Bed | $339,000 | 8.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Schoharie, NY
Schoharie, NY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Schoharie, NY
As of Nov '25, Realtor.com reports that the median days on market for a home in Schoharie, NY is 164. This is a increase of 176.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $575,000 | 37.0% |
Listing Count | 11 | 2.0% |
| Listings as % of Homes | 0.6% | 2.0% |
Days on Market | 164 | 176.0% |
Demographics — Schoharie, NY
As of the latest ACS Survey released in 2023, Schoharie, NY has a population of 4,440, which has increased by 5.1% over the past 5 years. Schoharie, NY is a moderately popular place for families, as children make up 20.5% of the population. The area has a moderately educated workforce, with 29.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,440 | 5.1% |
% Under 18 | 20.5% | -4.7% |
% Seniors | 24.8% | 19.8% |
% WFH | 8.9% | 140.5% |
% w/ College Degree | 29.2% | 29.2% |
As of the latest ACS Survey released in 2023, Schoharie, NY is a predominantly white area, with 88.2% of the population identifying as white. The white population has shrunk by 7.2% in the last 5 years. The second most common race or ethnicity in Schoharie, NY is hispanic, making up 3.3% of the population. Foreign-born residents account for 2.7% of the population in Schoharie, NY, and this percentage has decreased by 3.6% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 88.2% | -7.2% |
% Black | 1.5% | -25.0% |
% Hispanic | 3.3% | 37.5% |
% Asian | 2.0% | 900.0% |
% Foreign Born | 2.7% | -3.6% |
Mortgage and Risk — Schoharie, NY
According to HUD data as of 2023, there were 67 mortgage originations in Schoharie, NY, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Schoharie, NY. Investor activity is low, as 1.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 67 |
% Conventional Loans | 79.0% |
% Government Loans | 21.0% |
% Investor Loans | 1.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 10.0% |
Rentals and Section 8 — Schoharie, NY
Schoharie, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 73 |
Total Units Section 8 | 73 |
% Rentals under Section 8 | 27.0% |
% Occupied Section 8 | 98.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,020 |
| 2 Bedroom | N/A | N/A | $1,240 |
| 3 Bedroom | N/A | N/A | $1,500 |
| 4 Bedroom | N/A | N/A | $1,650 |
Affordability — Schoharie, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3 |
| Median Home Price | $280,000 |
| Median Household Income | $77,400 |