Median home value in zip code 12157 (Schoharie, NY) is $279,295, up 6.4% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$279,295

YoY Change

+6.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 12157 (Schoharie).

Income (annual)

Down Payment

$55,859 on $279,295

Example: $75,000 household income. Change it above to see your own.

Stretch31.4% of income

Above 28% but manageable with cuts.

PITI$1,963

P/I31.4%

Afford$249K

Gap-$30K

P&I $1,412Tax $400Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

12157 is part of the Albany-Schenectady-Troy, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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