Schoharie, 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 Schoharie, Schoharie County, New York
Schoharie is a village of 916 people in Schoharie County. Half its households earn more than $55,742 a year and half less, against $70,133 across Schoharie County; 13% of its people live below the poverty line. 54% of its homes are lived in by their owners and 46% 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 It can be wrong or out of date.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. Schoharie is a small village in the hills of upstate New York, with creeks running through and around it. Incomes here run below the county's, and about as many homes are lived in by their owners as are rented, so it is a fairly even mix. Winters are cold, with January the coldest month, and summers are warm, with a good deal of rain and melted snow across the year.
Work. Residents work mostly in schools, hospitals and social care, with others in shops, the building trades, and professional and business services. A four-year degree is held by a minority of adults, and the typical commute is a long one, with some people working from home. 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. Fox Creek and Stony Brook both run in or beside town, so there is water close at hand. Howe Caverns, a well-known tourist attraction, is a short drive away. For a longer outing, the New York State Museum is a longer drive away.
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- 479households
- 26%of adults have a degree
- 13%below the poverty line
- 33 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, under a mile 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; Schoharie 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 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 Schoharie’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.
Schoharie 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.
- Schoharie14
New listings per month
Sellers arriving at the market.
- Schoharie6
Zip codes with a Schoharie address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Schoharie — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.