Albany-Schenectady-Troy, NY · New York
Schoharie County
ZIP 12036
29,979 residents38 permits TTM$71,188 median HHI18 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$182,000
ACS 5-Year
Cap rate proxy
6.0%
FMR × 0.65 ÷ Home Value
Rent-to-income
15.4%
HUD FMR ÷ ACS HHI
Net migration
+1.52%
IRS SOI
Permits (TTM)
38
Census BPS
Climate risk
41.3
FEMA NRI (0–100)
ZIP 12036
Median home value
—
Gross yield
—
Buy Box score
—
Section 8 gap
—
Affordability
P/I: 2.9R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown18 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 12031 | — | — | — | 6.0% | — |
| 12035 | — | — | — | 6.0% | — |
| 12036 | — | — | — | 6.0% | — |
| 12071 | — | — | — | 6.0% | — |
| 12131 | — | — | — | 6.0% | — |
| 12160 | — | — | — | 6.0% | — |
| 12175 | — | — | — | 6.0% | — |
| 12187 | — | — | — | 6.0% | — |
| 12194 | — | — | — | 6.0% | — |
| 13459 | — | — | — | 5.1% | — |
| 12076 | — | — | — | 5.0% | — |
| 12092 | — | — | — | 4.9% | — |
| 12167 | — | — | — | 4.8% | — |
| 12122 | — | — | — | 4.8% | — |
| 12149 | — | — | — | 4.7% | — |
| 12043 | — | — | — | 4.5% | — |
| 12093 | — | — | — | 4.4% | — |
| 12157 | — | — | — | 3.9% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
77.7%
Census ACS
Vacancy rate
24.8%
Census ACS
Bachelor's degree +
25.0%
Census ACS
Rent burdened
36.6%
Census ACS (>30% income)
Median age
45.7
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026