Jefferson, 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 Jefferson, Schoharie County, New York
Jefferson, in Schoharie County, had 121 people in the 2020 census. 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 Sonnet 5.5 wrote this on 23 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 It can be wrong or out of date.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. Jefferson is a very small community in Schoharie County, in the hills of upstate New York, where people live spread out and know one another by name. Winters are cold, with January the coldest month and freezing days common, while summers are mild and pleasantly warm. Rain and melted snow add up to a fair amount over the year, so the countryside stays green.
Work. Residents mostly work in schools, hospitals and social care, in shops, in the building trades and in professional and business services. Commutes tend to be long, which is common in rural areas where jobs sit in other towns. Across Schoharie County, the largest workplaces include the SUNY College of Agriculture and Technology at Cobleskill, the Cobleskill-Richmondville Central School District and Walmart.
Things to do. Middle Brook runs in or beside town, and Mine Kill State Park, Utsayantha Lake and Hudson Lake are each a short drive away for walking, picnics and time by the water. With a longer drive, the National Baseball Hall of Fame and Museum is a museum worth planning a day around.
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- 39 mintypical commute
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 33° and lows near 11°; warmest in July, with highs near 81° and lows near 56°. About 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Lansing Manor weather station, 7 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 across the county; Jefferson has one of its own. 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
- Inland floodingRelatively high
- Winter weatherRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Jefferson’s census tracts, against the rest of the country; all of them together, relatively moderate. 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.
Jefferson 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.
Sellers are cutting prices on about 1 in 4 Jefferson listings — the market is roughly in balance.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Jefferson22.69%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Jefferson25
Zip codes with a Jefferson address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Jefferson — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.