Cost of Living in Schoharie County, New York
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Schoharie County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Schoharie County ranks #1,967 of 3,142 counties for affordability (bottom 37%)
Sourced county brief
Schoharie County Median Monthly Owner Costs Below $1,000
Median selected monthly owner costs for all owner-occupied units in Schoharie County was estimated at $990, which is $362 below the New York state unweighted county mean of $1,352. The median home value in the county is $192,500, compared to the state unweighted county mean of $281,200. For renters, the official median gross rent as a percentage of household income (GRAPI) is 29.0%. This official B25071 estimate is 0.8 percentage points lower than the state unweighted county mean of 29.8%. The median gross rent in the county is $909 per month, while the state unweighted county mean is $1,168. Median renter-household income is $39,321. These values represent snapshots from the 2020-2024 American Community Survey (ACS) period. See ACS table B25088 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Schoharie County
Affordability Verdict
ACS B25071 estimates median gross rent at 29.0% of renter household income in Schoharie County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $909 per month; median selected monthly owner costs are $990. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $36,360 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The New York unweighted mean of county median rents is $1,168 per month. Schoharie County's $909 median is 22.2% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Schoharie County
Rent Burden
15.6%
of gross income
Max Housing (28% Rule)
$1,636
per month
Owner Cost Burden
16.9%
of gross income
You can likely afford the median home in Schoharie County
Median home value is $192,500. Estimated monthly cost: $1,537 vs. your max of $1,636.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
What is the cost of living in Schoharie County, New York?
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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