Schoharie County, New York: commercial real estate data.
Schoharie County, New York had an estimated 30,151 residents on July 1, 2024, up 1.4 percent since the 2020 census base of 29,726, across 622 square miles. County output reached $1.32 bn in 2024, 576 establishments operate here, and the SBA record carries 19 7(a) approvals worth $11.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Schoharie County
How many people live in Schoharie County
- Population, American Community Survey 2020-202430,049
- Households12,861
- Average household size2.34
- Median household income$70,133
- Median age45.8
- Median gross rent$909 per month
- Median owner-occupied home value$192,500
- Home value to household income2.7 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher26.2 percent
- Adults 25 and over with a graduate degree12.5 percent
- Adults 25 and over21,699
- Population under 185,182
- Share under 1817.2 percent
- Population 65 and over7,181
- Share 65 and over23.9 percent
- Working age population, 18 to 6417,686
- Civilian labor force14,095
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over56.7 percent
- Rank by population among New York counties58th of 62
- Rank by population among US county-equivalents, Puerto Rico included1479th of 3,222
Schoharie County is the 58th largest of 62 New York counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 23.9 percent against 17.2 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Schoharie County
Is Schoharie County's population growing?
- Population, July 1, 202430,151
- Census 2020 base population29,726
- Population change since the 2020 census base1.43 percent
- Population change, 2023 to 202425
- Births, 2024247
- Deaths, 2024340
- Natural change, 2024-93
- Net domestic migration, 202496
- Net international migration, 202423
- Total net migration, 2024119
- Cumulative net domestic migration, 2021 to 2024788
- Rank by growth among US county-equivalents1362nd of 3,144
The county has grown 1.43 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Schoharie County
Where are people moving to Schoharie County from?
- Tax returns filed by households arriving785
- People arriving, from those returns1,286
- Tax returns filed by households leaving693
- Net household movement92
- Adjusted gross income arriving$51.8 m
- Net adjusted gross income movement$10.3 m
- Average income of an arriving household$65,934
- Average income of a leaving household$59,885
- Largest single originSchenectady County (84 households)
- Largest single destinationAlbany County (79 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Schenectady County | 84 | 134 | $4.8 m |
| Albany County | 74 | 110 | $4.7 m |
| Montgomery County | 43 | 64 | $2.2 m |
| Greene County | 35 | 67 | $1.9 m |
| Otsego County | 35 | 61 | $1.2 m |
| Delaware County | 32 | 59 | $1.7 m |
| Suffolk County | 32 | 59 | $2.7 m |
| Saratoga County | 27 | 48 | $1.6 m |
Households arriving report $6,049 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Schenectady County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Schoharie County
What is the Schoharie County economy?
- County GDP, 2024$1.32 bn
- County GDP, 2023$1.27 bn
- GDP change, 2023 to 20243.9 percent
- GDP change over five years24.9 percent
- Rank by GDP among the New York areas BEA publishes60th of 62
- Rank by GDP among the US county areas BEA publishes1618th of 3,127
- GDP per resident$43,940
Output grew 3.9 percent in the latest year and 24.9 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Schoharie County
Employment by industry in Schoharie County
- Covered employment, annual average8,062
- Establishments reporting710
- Average annual pay$54,611
- Average weekly wage$1,050
- Retail trade, employment1,063
- Retail trade, average annual pay$37,116
- Health care and social assistance, employment975
- Health care and social assistance, average annual pay$48,836
- Transportation and warehousing, employment815
- Transportation and warehousing, average annual pay$53,951
- Accommodation and food services, employment633
- Accommodation and food services, average annual pay$24,938
- Construction, employment471
- Manufacturing, employment278
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,063 | 88 | $37,116 |
| Health care and social assistance | 975 | 64 | $48,836 |
| Transportation and warehousing | 815 | 15 | $53,951 |
| Accommodation and food services | 633 | 72 | $24,938 |
| Construction | 471 | 73 | $82,910 |
| Manufacturing | 278 | 26 | $52,600 |
| Finance and insurance | 203 | 29 | $113,879 |
| Agriculture, forestry, fishing and hunting | 169 | 35 | $27,844 |
Retail trade is the largest private sector at 1,063 jobs, 13.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Schoharie County
How many businesses are in Schoharie County?
- Establishments, all industries576
- Employment at those establishments4,843
- Annual payroll$231.6 m
- Establishments per 1,000 residents19.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Schoharie County
Building permits in Schoharie County
- Housing units authorized by permit, 202439
- Declared construction value permitted$10.9 m
- Single family units authorized39
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$280,123
- Units authorized per 1,000 households3.0
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Schoharie County
SBA loans in Schoharie County (7(a) and 504)
- 7(a) approvals recorded19
- 7(a) gross approval dollars$11.7 m
- Average 7(a) approval$613,668
- Median 7(a) approval$100,000
- Largest single approval$3,253,000
- Jobs reported supported, 7(a)150
- Jobs per approval7.9
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals15
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer36.8 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter12
- Franchise loans2
- Franchise share of approvals10.5 percent
- Leading industry by approval countLimited-Service Restaurants (4)
- Most active lenderKeyBank National Association (4)
- 504 approvals recorded2
- 504 gross approval dollars$1.6 m
- Average 504 approval$800,000
- Median 504 approval$800,000
- Distinct CDCs active1
- 504 jobs per approval29.0
- 504 jobs per million dollars approved36.3
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$13.3 m
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Schoharie County
SBA loan default and charge-off rates in Schoharie County
Do SBA loans in Schoharie County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure13
- Status: Committed, not yet disbursed1
- Status: Cancelled2
Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Schoharie County
SBA lending by place in Schoharie County
- Borrower cities with recorded lending6
- Sharon Springs, approvals7
- Cobleskill, approvals5
- Middleburgh, approvals3
- Schoharie, approvals2
- Sloansville, approvals1
- Jefferson, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Sharon Springs | 7 | $2,989,000 |
| Cobleskill | 5 | $7,878,000 |
| Middleburgh | 3 | $435,000 |
| Schoharie | 2 | $110,000 |
| Sloansville | 1 | $150,000 |
| Jefferson | 1 | $97,700 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Schoharie County
How large is Schoharie County?
- Land area622 sq mi
- Rank by land area among New York counties37th of 62
- Width, east to west27.6 mi
- Height, north to south32.8 mi
- Geographies sharing a boundary6
- Residents per square mile of land48
- Establishments per square mile0.93
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Schoharie County
Flood risk in Schoharie County
- Communities in the county in the NFIP Community Status Book22
- Of those, participating in the NFIP22
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
- Radon levels in Schoharie County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Schoharie County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Schoharie County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Schoharie County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202430,049
- Households12,861
- Average household size2.34
- Median household income$70,133
- Median age45.8
Common questions
Schoharie County questions, answered from the record.
How many people live in Schoharie County, New York?
The Census Bureau estimates 30,151 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 30,049, in 12,861 households, ranking 58th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Schoharie County's population growing?
The population has grown 1.43 percent since the 2020 census base of 29,726, to 30,151 on July 1, 2024. In 2024 there were 247 births against 340 deaths, with net migration of 119. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Schoharie County?
$70,133. The median owner-occupied home is valued at $192,500, which is 2.7 times income, and median gross rent is $909 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Schoharie County?
576 establishments, employing 4,843 people with an annual payroll of $231.6 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Schoharie County?
Retail trade is the largest private sector at 1,063 jobs, 13.2 percent of covered employment. Covered employment averages 8,062 jobs at an average annual pay of $54,611, or $1,050 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Schoharie County?
19 7(a) approvals totaling $11.7 m since FY2020, across 12 lenders, with a median approval of $100,000, plus 2 504 approvals worth $1.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Schoharie County?
39 housing units were authorized by permit in 2024, with a declared construction value of $10.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Schoharie County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Schoharie County come from?
The largest single origin is Schenectady County, with 84 households. Arriving households report an average income of $65,934 against $59,885 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Schoharie County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Schoharie County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Schoharie County
Cities and places in Schoharie.
9 Census places lie wholly or partly in Schoharie County. All 9 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Cobleskill | village | 4,682 | 5 | Wholly in this county |
| Middleburgh | village | 1,220 | 3 | Wholly in this county |
| Schoharie | village | 1,144 | 2 | Wholly in this county |
| Richmondville | village | 931 | None recorded | Wholly in this county |
| Sharon Springs | village | 634 | 7 | Wholly in this county |
| Central Bridge | CDP | 456 | None recorded | Wholly in this county |
| Esperance | village | 248 | None recorded | Wholly in this county |
| Jefferson | CDP | 177 | 1 | Wholly in this county |
| North Blenheim | CDP | 79 | None recorded | Wholly in this county |
A further 1 of the county's 19 SBA 7(a) approvals are to borrowers in cities that match no Census place in Schoharie County, the largest being Sloansville (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
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