12092 — Schoharie County, New York Market Snapshot
Housing market data for zip code 12092 in Schoharie County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Schoharie County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$256,000
Days to Sell
34
Homes Sold
4
Inventory
2
Conforming Loan Available
Most homebuyers in 12092 can comfortably use conventional financing. The median home price of $256,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
12092's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 12092 can comfortably use conventional financing. The median home price of $256,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 12092 are set at the county level.
2026 Loan Limits — Schoharie County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 12092
To purchase the median home at $256,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,111.
Monthly Payment
$2,111
Income Required
$90,488
Principal & Interest
$1,577/mo
Down Payment (5%)
$12,800
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 12092.
Estimated Monthly Payment
$1,734
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