| ZIP Code | 12157 |
|---|---|
| City | Schoharie |
| State | New York (NY) |
| County | Schoharie County |
| Area Code | 518/838 |
| Elevation | 892 ft |
| Latitude | 42.669798 |
|---|---|
| Longitude | -74.286077 |
| Timezone | New York (DST) |
| FIPS | 36095 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 45.6 yrs ↓ 3% since 2019 |
|---|---|
| Avg Household Size | 2.48 |
| Below Poverty | 7.3% ▼ 27% below avg |
| College Grads | 43.8% ▲ 13% above avg |
| Unemployment | 5.5% ▲ 13% above avg |
| No HS Diploma | 7 (0.2%) |
| HS Graduate | 1,036 (35.4%) |
| Some College | 385 (13.1%) |
| Associates | 217 (7.4%) |
| Bachelors | 450 (15.4%) |
| Graduate Degree | 834 (28.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $77,364 ≈ Avg ↑ 9% since 2019 |
|---|---|
| Median Home Value | $218,400 ▼ 22% below avg ↑ 36% since 2019 |
| Home/Income Ratio | 2.8x (nat avg ~3.5x) |
| Median Rent | $934/mo ↑ 13% since 2019 |
| Total Units | 1,853 |
| Vacant Units | 98 |
| Avg HH Size | 2.48 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,853 |
|---|---|
| Vacant | 98 |
| Owner Occupied | 85.2% |
| Renter Occupied | 14.8% |
| Avg HH Size | 2.48 |
ZIP code 12157 is located in Schoharie, New York, within Schoharie County. With a population of 4,444, this is a lightly populated ZIP code with a mature community — the median age is 45.6 years. Economically, 12157 is a middle-income ZIP code: the median household income of $77,364 is near the national average.
Real estate in ZIP code 12157 represents an affordable housing market. The median home value of $218,400 is below the national average. Renters can expect to pay around $934 per month in median rent. Homeownership is strong here — 85.2% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 36% since 2019.
The population of 12157 is primarily White (88.19%). Residents are well-educated — 43.8% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 7.3%. Household income has grown by 9% since 2019.
The unemployment rate in 12157 stands at 5.5%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 79%.
Overall, ZIP code 12157 in Schoharie, NY is characterized as middle-income, well-educated, a mature community, and predominantly owner-occupied. With 4,444 residents, a median household income of $77,364, and a median home value of $218,400, it offers a clear picture of life in this part of New York.