12092
Howes Cave, New York.
Howes Cave, Schoharie County, NY · Albany-Schenectady-Troy, NY metro · population 1,208
to buy the typical home at today's mortgage rate — +$744 (+142%) since Jan 2020.
- 1 year
- Up $17,053 +8%
- $224,259$241,312 since Sep 2025
- 5 years
- Up $69,546 +40%
- $171,765$241,312 since Sep 2021
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.
- 12092$1,267
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in zip 12092 rose 7.6% over the past year — faster than the nation's +1.2%.
Zillow also publishes an index for the city itself: Howes Cave, NY — measured over the city limits, which is a different area from this zip.
Typical home value — 12092
Mid-tier homes, smoothed and seasonally adjusted.
- 12092$241,312
- Albany$373,057
- United States$366,157
Within 20 miles
Showing 30 of 34 zips in range — sorting picks from all 34.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 2.2 | 12035 | Central Bridge | 566 | — | $225,277 |
| 4.2 | 12160 | Sloansville | 716 | — | $288,542 |
| 5.0 | 12157 | Schoharie | 4,713 | — | $290,841 |
| 6.7 | 12066 | Esperance | 1,863 | — | $288,701 |
| 6.8 | 12187 | Warnerville | 752 | — | $275,945 |
| 7.2 | 12043 | Cobleskill | 8,287 | — | $263,563 |
| 9.4 | 12071 | Fultonham | 283 | — | $217,590 |
| 10.0 | 12166 | Sprakers | 1,635 | — | $229,156 |
| 10.5 | 12053 | Delanson | 4,550 | — | $367,920 |
| 10.9 | 12149 | Richmondville | 2,038 | — | $243,964 |
| 11.7 | 12122 | Middleburgh | 3,596 | — | $232,334 |
| 11.7 | 13459 | Sharon Springs | 1,888 | — | $230,381 |
| 12.0 | 12194 | West Fulton | 162 | — | $234,564 |
| 12.3 | 12072 | Fultonville | 2,882 | — | $249,680 |
| 13.0 | 12023 | Berne | 1,791 | — | $326,733 |
| 13.7 | 12175 | Summit | 612 | — | $241,415 |
| 14.8 | 13317 | Canajoharie | 3,888 | — | $186,242 |
| 15.5 | 12064 | East Worcester | 342 | — | $123,131 |
| 15.6 | 12056 | Duanesburg | 1,695 | — | $404,563 |
| 16.7 | 12137 | Pattersonville | 2,077 | — | $329,140 |
| 16.8 | 13428 | Palatine Bridge | 1,689 | — | $203,806 |
| 17.5 | 12068 | Fonda | 2,503 | — | $229,422 |
| 17.7 | 12147 | Rensselaerville | 466 | — | $368,210 |
| 17.7 | 12059 | East Berne | 1,530 | — | $349,615 |
| 17.8 | 12009 | Altamont | 7,934 | — | $428,226 |
| 17.9 | 12177 | Tribes Hill | 387 | — | $212,414 |
| 18.5 | 12197 | Worcester | 2,298 | — | $193,253 |
| 18.8 | 13320 | Cherry Valley | 1,971 | — | $204,672 |
| 18.9 | 12093 | Jefferson | 1,276 | — | $261,924 |
| 19.2 | 12306 | Schenectady | 27,865 | $1,696 | $300,706 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.