Schoharie County, New York: commercial real estate data.
Schoharie County, New York has a population of 30,049 across 622 square miles, up 1.4 percent since the 2020 census base. 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.
127 sourced county values · tier FULL · 12 sections
Schoharie County
How many people live in Schoharie County
- Population30,049
- 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-equivalents1479th
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 an affordable ownership market 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 storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Schoharie County
Is Schoharie County growing
- Population change since the 2020 census base1.43 percent
- Census 2020 base population29,726
- 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
The county has grown 1.43 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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 people moving to Schoharie County come from
- Tax returns filed by households arriving785
- People arriving, from those returns1,286
- Adjusted gross income arriving$51.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$65,934
- Largest single originSchoharie County Non-migrants (11,719 households)
- Largest single destination (11,719 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Schoharie County Non-migrants | 11,719 | 22,034 | $807.2 m |
| Other flows - Different State | 165 | 263 | $12.0 m |
| Other flows - Same State | 164 | 246 | $12.0 m |
| Other flows - South | 86 | 142 | $6.9 m |
| Schenectady County | 84 | 134 | $4.8 m |
| Albany County | 74 | 110 | $4.7 m |
| Other flows - Northeast | 56 | 85 | $3.7 m |
| Montgomery County | 43 | 64 | $2.2 m |
The largest single source of arrivals is Schoharie County Non-migrants, 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 the Schoharie County economy runs on
- 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 New York counties60th
- Rank by GDP among US county-equivalents1618th
- 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
Who employs people in Schoharie County
- Covered employment, annual average8,062
- Establishments reporting710
- Average annual pay$54,611
- Average weekly wage$1,050
- Sector 44-45, employment1,063
- Sector 44-45, average annual pay$37,116
- Sector 62, employment975
- Sector 62, average annual pay$48,836
- Sector 48-49, employment815
- Sector 48-49, average annual pay$53,951
- Sector 72, employment633
- Sector 72, average annual pay$24,938
- Sector 23, employment471
- Sector 31-33, employment278
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,063 | 88 | $37,116 |
| Sector 62 | 975 | 64 | $48,836 |
| Sector 48-49 | 815 | 15 | $53,951 |
| Sector 72 | 633 | 72 | $24,938 |
| Sector 23 | 471 | 73 | $82,910 |
| Sector 31-33 | 278 | 26 | $52,600 |
| Sector 52 | 203 | 29 | $113,879 |
| Sector 11 | 169 | 35 | $27,844 |
The largest sector is the biggest private employer group at 1,063 jobs, 13.2 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Schoharie County
What businesses operate 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.
US Census Bureau, County Business Patterns, 2023.
Schoharie County
What is being built in Schoharie County
- Housing units authorised by permit, 202439
- Declared construction value permitted$10.9 m
- Single family units authorised39
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$280,123
- Units authorised per 1,000 households3.0
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Schoharie County
How much SBA lending happens in Schoharie County
- 7(a) approvals recorded19
- 7(a) gross approval dollars$11.7 m
- Average 7(a) approval$613,668
- Median 7(a) approval$100,000
- 10th percentile approval$20,000
- 90th percentile approval$2,400,000
- 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$958,000
- Distinct CDCs active1
- 504 jobs per approval29.0
- 504 jobs per million dollars approved36.3
- Most active CDCEmpire State Certified Development Corporation (2)
- 7(a) share of SBA approvals90.5 percent
- Combined SBA approval dollars$13.3 m
The average approval of $613,668 sits well above the median of $100,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. 36.8 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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
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
Too few loans have reached a final outcome to publish a charge off rate. only 3 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Schoharie County
Which parts of Schoharie County get the lending
- Places in the county with recorded lending6
- Sharon Springs, approvals7
- COBLESKILL, approvals5
- Middleburgh, approvals3
- Schoharie, approvals2
- SLOANSVILLE, approvals1
- JEFFERSON, approvals1
| Place | 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 |
Sharon Springs accounts for 7 approvals against 5 in COBLESKILL. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Schoharie County
How big 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
What hazards affect Schoharie County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities 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 9
- Communities carrying a CRS class1
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The best Community Rating System class in the county is 9, which carries a flood insurance premium discount for properties in the participating community.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
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.
- Population30,049
- 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?
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 growing?
The population has grown 1.43 percent since the 2020 census base. 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 there 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 the average wage in Schoharie County?
Average annual pay is $54,611, or $1,050 a week, across 8,062 covered jobs. 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 totalling $11.7 m since FY2020, across 12 lenders, with a median approval of $100,000, plus 2 504 approvals worth $1.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Schoharie County?
39 housing units were authorised 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 Schoharie County Non-migrants, with 11,719 households. Arriving households report an average income of $65,934 against null 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.