Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$252,001+6.2% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 13% have cut their price
Income needed to buy, per year$54,629About 0.8× the local median income ($69,107): affordable for a typical household
Days on market92 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+3.7%Zillow expects prices to rise slightly
The typical home in Schoharie County, NY is worth $252,001, up 6.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $192,076, so the area is 31.2% overvalued. It is a balanced market, leaning toward sellers: homes take about 92 days to sell, listings are up 47% from a year ago, 13% of listings have had a price cut. Zillow expects prices to rise about 3.7% over the next year. A household needs about $54,629 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $69,107. In the latest IRS figures, 49 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$252,001
Change in 1 year
+6.2%
Overvalued %
+31.2%
Show 7 more
Fair home value
$192,076
Change in 5 years
+41.1%
Zillow forecast, next 12 months
+3.7%
Home value to income
3.6×
Monthly mortgage payment (20% down)
$1,366
Income needed to afford it
$54,629
Property tax rate
2.03%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,711
Market activity
Listings vs a year ago
+47.2%
Days on market
92
Listings with a price cut
13.0%
Show 3 more
Homes for sale
159
Pending sales per 100 listings
51
Asking price per sq ft
$184
People and jobs
Median household income
$69,107
Population change (1 year)
−0.2%
Unemployment rate
5.0%
Show 4 more
Population
30,176
Income adjusted for cost of living
$69,385
Net moves in (IRS)
+49
Cost of living (US = 100)
99.6
Schools, risk and environment
School rating (1 to 10)
4.3
FEMA hazard risk score (0 to 100)
41.3
Flood risk score
65.6
Show 3 more
Wildfire risk score
11.2
Walkability (1 to 20)
4.7
Road, rail and air noise
54 dB
Questions people ask
Is Schoharie County, NY overvalued?
Home prices in Schoharie County, NY are well above what local incomes have historically supported: fair value is about $192,076, so the area is 31.2% overvalued.
Is Schoharie County, NY a buyer's or seller's market?
Schoharie County, NY is a balanced market, leaning toward sellers: homes take about 92 days to sell, listings are up 47% from a year ago, 13% of listings have had a price cut.
Are home prices going down in Schoharie County, NY?
Home values in Schoharie County, NY are up 6.2% over the last year. Zillow's forecast for the next 12 months is +3.7%.
How much do you need to earn to buy a home in Schoharie County, NY?
A household needs about $54,629 a year to afford the typical home in Schoharie County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $69,107.