Schoharie County, New York home prices
Typical home $252,001 · +6.2% in a year · property tax 2.03%
The typical home in Schoharie County is worth $252,001, 52% less than the New York typical home ($524,942). Values changed +6.2% in the past year and +41.1% over five years. Homeowners here pay a median 2.03% of their home's value in property tax each year ($5,124 on the typical home), versus 1.42% statewide.
Mortgage on the typical Schoharie County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,400 | $201,601 | $1,356 | $0 | $553 | $1,909 | $81,800 |
| 10% down | $25,200 | $226,801 | $1,526 | $95 | $553 | $2,173 | $93,100 |
| 5% down | $12,600 | $239,401 | $1,610 | $100 | $553 | $2,263 | $97,000 |
| 3.5% down (FHA) | $8,820 | $247,437 | $1,665 | $111 | $553 | $2,329 | $99,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.03% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New York · part of the Albany metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Washington County | $252,226 | +3.7% | 2.01% |
| Delaware County | $250,587 | +5.2% | 1.72% |
| Wayne County | $253,487 | +6.1% | 2.5% |
| Niagara County | $254,624 | +4.8% | 2.19% |
| Livingston County | $247,627 | +4.0% | 2.45% |
| Schuyler County | $246,028 | +4.8% | 1.97% |
| Madison County | $265,243 | +6.4% | 2.26% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Jefferson County | $234,099 | +6.0% | 1.54% |
Frequently asked questions
What is the average home price in Schoharie County, NY?
The typical home value in Schoharie County is $252,001 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Schoharie County?
About $81,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Schoharie County?
The median effective rate is 2.03% of home value a year (Census ACS 2024 5-year estimates).