Albany-Schenectady-Troy, NY · New York
Schoharie County
ZIP 12175
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 12175
Median home value
—
Gross yield
—
Cap rate
6.0%
Rent gap
—
Affordability
P/I: 3.2R/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% | — |
| 12131 | — | — | — | 6.0% | — |
| 12035 | — | — | — | 6.0% | — |
| 12036 | — | — | — | 6.0% | — |
| 12071 | — | — | — | 6.0% | — |
Ranked by composite score
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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