Schoharie County, NY: Foreclosures, Tax Liens & Distressed Properties
Schoharie County, NY, New York: 24 ZIP codes scored, Schoharie County, NY averaging 14/100 (minimal, Schoharie, NY), from 11 to 23. Schoharie County, NY is in its expansion phase (Schoharie, NY confidence 39/100): Schoharie, NY home prices up 6.6% (Schoharie, NY) over twelve months. Schoharie County, NY lender headwind: 71/100.
Highest-scoring Schoharie County, NY ZIPs: 12023 (23/100), 12053 (22/100), 12469 (21/100), 12066 (20/100), 12166 (20/100), 12167 (17/100). Also scored in Schoharie County, NY: 12064, 12093, 12160, 13459, 12122, 12036, 12149, 12031, 12035, 12043.
Across Schoharie County, NY's scored ZIPs: median home value $197,846, household income $75,667, 28.4% vacancy, 9.2% poverty, 84% owner-occupied, median age 46.5.
Schoharie County, NY insurance distress 0/100 (#2,936 in the US); FEMA hazard 0/100 for Schoharie, NY; Schoharie, NY construction distress 49/100.
6 banks with 11 branches lend in Schoharie County, NY; Schoharie, NY weighted bank stress 70/100, highest 90/100 in Schoharie, NY.
Schoharie County, NY unemployment 4.1% (Schoharie, NY -2.0 pts, six months); 39 new housing units permitted in Schoharie County, NY over twelve months, Schoharie, NY up 8% from 36; Schoharie, NY home prices +11.0% a year (Schoharie, NY) over three years.
16,562 housing units in Schoharie County, NY; 2,777 Schoharie, NY renter households; 37% of Schoharie, NY renters spend 30%+ of income on rent, 17% (Schoharie, NY) half or more.
Schoharie County, NY ranks #1,819 nationally on the opportunity index (Schoharie, NY, among all ranked counties); Schoharie, NY scores 28.4/100 and Schoharie, NY sits #29 inside New York. Schoharie, NY is in the early_signal opportunity phase; Schoharie, NY's primary driver is vacancy, Schoharie, NY second driver bank institutional; Schoharie, NY moved down 249 places. 4 short-sale listings across Schoharie, NY; 18 days on market observed in Schoharie, NY; 20.7% vacancy over 24 Schoharie, NY ZIPs.
No CFPB county sample covers Schoharie County, NY. The metro area reading for Schoharie, NY (Albany-Schenectady-Troy, NY): 0.8% ninety-plus days late; Schoharie, NY's thirty-to-eighty-nine share is 2.0% (Schoharie, NY, December 2025 data); New York overall 1.0%.
Schoharie County, NY has 5 watched banks; 5 Schoharie, NY banks sit in an elevated band. Schoharie, NY footprints: Nbt Bank National Assn (4 branches, stress 61) in Schoharie, NY; Bank Of Richmondville (3 branches, stress 76) in Schoharie, NY; Ballston Spa National Bank (1 branch, stress 90) in Schoharie, NY.
3,701 of the 16,562 housing units in Schoharie, NY sit vacant. Schoharie County, NY permitted 0 multifamily units in twelve months; Schoharie, NY's one-to-four unit structures added 39 units in Schoharie County, NY.