Schoharie County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.59, -74.44.
Assembled 2026-10-06. Read the brief.
- 57th pct · 1,294th of 3,063 US counties · median $234,566
- 47th pct · 33rd of 62 New York counties · median $256,722
- 0th pct · 5th of 5 counties in the Albany-Schenectady-Troy metro · median $329,236
- 86th pct · 424th of 3,063 US counties · median +2.9%
- 86th pct · 9th of 62 New York counties · median +5.7%
- 100th pct · 1st of 5 counties in the Albany-Schenectady-Troy metro · median +5.7%
- US counties: not published this period
- New York counties: not published this period
- counties in the Albany-Schenectady-Troy metro: not published this period
- 49th pct · 1,623rd of 3,221 US counties · median 8,232
- 6th pct · 58th of 62 New York counties · median 32,139
- 0th pct · 5th of 5 counties in the Albany-Schenectady-Troy metro · median 60,786
- 51st pct · 1,572nd of 3,221 US counties · median $1,039
- 4th pct · 59th of 62 New York counties · median $1,250
- 0th pct · 5th of 5 counties in the Albany-Schenectady-Troy metro · median $1,532
- 59th pct · 1,251st of 3,063 US counties · median 4.3
- 62nd pct · 24th of 62 New York counties · median 4.1
- 75th pct · 2nd of 5 counties in the Albany-Schenectady-Troy metro · median 4.3
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $256,375 (Aug 2026), +7.0% over one year, +41.2% over five
- 57th pct · 1,294th of 3,063 US counties · median $234,566
- 47th pct · 33rd of 62 New York counties · median $256,722
- 0th pct · 5th of 5 counties in the Albany-Schenectady-Troy metro · median $329,236
| Item | Value | Distance |
|---|---|---|
| Schoharie County, NY | $256,375 · +7.0% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- New York counties: not published this period
- counties in the Albany-Schenectady-Troy metro: not published this period
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,403 a month on $256,375 at 7.28%, against an average weekly wage worth $4,520 a month: 31.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $256,375 × 80% = $205,100, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,403/mo principal and interest
- wage share = payment / (avg weekly wage $1,043 × 52 / 12 = $4,520) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $256,375 / ($1,043 × 52) = 4.7
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
8,122 jobs at 688 employers (2026 Q1); -0.6% jobs and -0.9% average weekly wage over the year
- 49th pct · 1,623rd of 3,221 US counties · median 8,232
- 6th pct · 58th of 62 New York counties · median 32,139
- 0th pct · 5th of 5 counties in the Albany-Schenectady-Troy metro · median 60,786
| Item | Value | Distance |
|---|---|---|
| Schoharie County, NY | 8,122 jobs · $1,043/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,061 | $712 | 1.34 | +3.8% |
| Transportation and warehousing | 817 | $996 | 2.39 | -3.8% |
| Accommodation and food services | 649 | $436 | 0.89 | -1.5% |
| Construction | 339 | $1,475 | 0.80 | -21.7% |
| Finance and insurance | 206 | $2,154 | 0.62 | +0.0% |
| Professional and technical services | 186 | $1,145 | 0.33 | +14.8% |
| Other services | 173 | $758 | 0.71 | -7.0% |
| Agriculture, forestry, fishing | 130 | $591 | 2.22 | -5.8% |
| Wholesale trade | 69 | $1,052 | 0.22 | +0.0% |
| Arts, entertainment and recreation | 51 | $504 | 0.38 | -8.9% |
| Utilities | 49 | $1,865 | 1.53 | +0.0% |
| Real estate and rental | 37 | $688 | 0.30 | +0.0% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$683.0 m in deposits at 11 offices of 6 banks (SOD June 2026); HHI 3,394, highly concentrated. $5.9 m federal obligations in FY2026 (grants $5.0 m, contracts $790,159), $728 per covered job
| Item | Value | Distance |
|---|---|---|
| NBT Bank, National Association | $351.1 m · 51.4% share · 4 offices | |
| Bank of Richmondville | $166.4 m · 24.4% share · 3 offices | |
| KeyBank National Association | $59.1 m · 8.7% share · 1 office | |
| Schoharie, NY | $5.9 m FY2026 · $728/job | |
| MULTIPLE RECIPIENTS | $199.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| NBT Bank, National Association | $351,060,000 | 51.4% | 4 |
| Bank of Richmondville | $166,436,000 | 24.4% | 3 |
| KeyBank National Association | $59,110,000 | 8.7% | 1 |
| Ballston Spa National Bank | $40,045,000 | 5.9% | 1 |
| TrustCo Bank | $39,728,000 | 5.8% | 1 |
| Community Bank, National Association | $26,614,000 | 3.9% | 1 |
Deposit concentration is 3,394 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 51.4² + 24.4² + 8.7² + … (3 more) = 3,394
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $183,212,219 |
| Department of Veterans Affairs | $14,009,277 |
| Department of Transportation | $6,638,078 |
| Department of Health and Human Services | $5,975,576 |
| Department of Housing and Urban Development | $2,017,312 |
| Railroad Retirement Board | $1,769,172 |
| Environmental Protection Agency | $790,159 |
| Department of Education | $248,488 |
| Federal Communications Commission | $32,219 |
| Institute of Museum and Library Services | $30,697 |
| Small Business Administration | $0 |
| Department of Agriculture | -$7,125,470 |
That is $728 per covered job, against 8,122 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $5.9 m / 8,122 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $728
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.28 | 2026-10-04 | -0.1% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-05 | +0.1% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Schoharie County, NY: 14 findings, 4 at a watch level and 10 noted
watchSchoharie County, NY's average weekly wage is -0.9% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -0.9 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchSchoharie County, NY's covered employment is -0.6% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSchoharie County, NY's average weekly wage of $1,043 scores 51 on the 0-to-100 scale across US counties but 5 across New York counties, a gap of 46 points.
Period 2026 Q1.Show the arithmetic
- 46 = |51 across US counties - 5 across New York counties|
position among the entities that published this metric this period; not an official level
watchSchoharie County, NY's covered employment of 8,122 scores 50 on the 0-to-100 scale across US counties but 7 across New York counties, a gap of 43 points.
Period 2026 Q1.Show the arithmetic
- 43 = |50 across US counties - 7 across New York counties|
position among the entities that published this metric this period; not an official level
noteSchoharie County, NY's average weekly wage was 0.9% lower than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- -0.9 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.