Middleburgh, 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 Middleburgh, Schoharie County, New York
Middleburgh is a village of 1,131 people in Schoharie County. Half its households earn more than $46,912 a year and half less, against $70,133 across Schoharie County; 12% of its people live below the poverty line. 68% of its homes are lived in by their owners and 32% 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 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 It can be wrong or out of date.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. Middleburgh is a small village in Schoharie County, home to a modest number of people who mostly own the homes they live in. Household incomes run well below the county's, and more people here live below the poverty line than a figure for the county's better-off areas would suggest. Winters are cold, with January the coldest month and highs staying close to freezing, while July brings warm days, and rain and melted snow add up to a fair amount over the year.
Work. Residents work mainly in schools, hospitals and social care, in shops, in the building trades, and in professional and business services. Fewer adults hold a four-year degree than in many places, and the typical commute is a moderate one, with some people working from home. Across Schoharie County, larger workplaces include SUNY Cobleskill, the Cobleskill-Richmondville Central School District and Walmart, and the county has added jobs over the past year.
Things to do. Line Creek runs in or beside town, and a short drive brings you to Howe Caverns, a well-known tourist attraction, and to Max V. Shaul State Park, a protected area. Fox Creek and Franklinton Vlaie, a lake, are also a short drive away. For a longer outing, the New York State Museum is a longer drive away.
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- 646households
- 24%of adults have a degree
- 12%below the poverty line
- 21 mintypical commute
- 10%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 33° and lows near 13°; warmest in July, with highs near 84° and lows near 59°. About 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Schoharie weather station, 5 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; Middleburgh 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 floodingVery high
- Winter weatherRelatively high
- HailRelatively moderate
- LightningRelatively moderate
- TornadoesRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Middleburgh’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.
Middleburgh 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 6 Middleburgh 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.
- Middleburgh16.28%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Middleburgh31
New listings per month
Sellers arriving at the market.
- Middleburgh10
Zip codes with a Middleburgh address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Middleburgh — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.