Howes Cave, New York.
. Albany-Schenectady-Troy, NY metro.
to buy the typical home at today's mortgage rate — +$1,478 (+116%) since Jan 2020.
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- New York$2,755
- United States$1,922
Living in Howes Cave, Schoharie County, New York
The Census does not count Howes Cave on its own, so the figures here are Schoharie County's. Half the county's households earn more than $70,133 a year and half less; 12% of the county's people live below the poverty line. 76% of the county's homes are lived in by their owners and 24% are rented. Unemployment in Schoharie County was 4.1% in August 2026, and the county had 5.4% more jobs in 2025 than the year before. The most people in Schoharie County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Howes Cave sits in Schoharie County in upstate New York, a rural county where many residents are middle-aged or older. Winters are cold and snowy, summers are warm, and rain and melted snow fall through much of the year. Most homes across the county are lived in by their owners, and many neighbors know one another well.
Work. Schools, hospitals and social care are among the main kinds of work people do locally, alongside shops, building trades and professional and business services. Jobs across the county grew over the most recent year, though unemployment has edged up slightly from a year earlier. Relatively few people work from home, and most residents drive to their jobs.
Things to do. Howe Caverns, a tourist attraction in or beside town, is the most convenient outing for visitors. The National Baseball Hall of Fame and Museum, one of the best known sites nearby, is a longer drive away. Fox Creek, a river a short drive away, offers a quieter place to spend an afternoon outdoors.
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- 12,861households
- 45.8median age
- 26%of adults have a degree
- 12%below the poverty line
- 31 mintypical commute
- 11%work from home
What people in Schoharie County work in
Employed residents by industry, from the Census survey. Schoharie County had 8,498 jobs in 2025, 5.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 30° and lows near 12°; warmest in July, with highs near 80° and lows near 58°. About 54 inches of snow and 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cobleskill Ese weather station, 4 miles away (NOAA).
Largest workplaces in Schoharie County
- WalmartGeneral warehousing and storage606
- SUNY College of Agriculture and Technology at CobleskillUniversity or college494
- Cobleskill-richmondville Central School DistrictSchool district387FTE
- WalmartWarehouse clubs and supercenters282
- Salt City ConstructorsPavement, highway, road, street, bridge or airport runway, construction239
- Schoharie Central School DistrictSchool district196FTE
- Bassett Hospital of Schoharie CountyCritical access hospital158FTE
- Middleburgh Central School DistrictSchool district154FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 19 workplaces with 20 or more staff, 2,246 people in all. Colleges come from IPEDS (NCES, 2023–24), school districts from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
FEMA rates every natural hazard here relatively low or very low.
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Schoharie County, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Schoharie County and the Albany-Schenectady-Troy, NY metro.
Howes Cave home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
Not enough data to draw this yet.
Zip codes with a Howes Cave address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Howes Cave — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.