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ZIP Code 12157

Schoharie, New York

FIPS 12157

Juniper

ZIP Code 12157 is in the top 13% nationally for HPI growth 5yr %, but in the bottom 32% nationally for FEMA risk score.

Median Home Value

$223,400

Near the U.S. ZIP codes median

HPI Growth 5yr %

61%

Higher than 87% of U.S. ZIP codes

FEMA Risk Score

78.7

Higher than 68% of U.S. ZIP codes

The basics

Total Population

4,713

Median Age

41.9

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$223,400

Near median

Median Property Tax

$5,264

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.94

Near median

Median Rent

$887

Near median

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

61%

Higher than 87%

Pandemic Gain %

43%

Recession Drop %

-13%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

81.3

Winter Avg Low (°F)

15.7

Avg Temperature (°F)

47.9

Hot Days/yr (>90°F)

13.8

Freezing Days/yr (<32°F)

144.4

Annual Precipitation (in)

42.5

Annual Snowfall (in)

53.5

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

78.7

Higher than 68%

EAL Flood/Coastal per $1K

0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 12157: frequently asked questions

What is the median home value in ZIP Code 12157?
The median home value in ZIP Code 12157 is $223,400, near the U.S. ZIP codes median.
How much is property tax in ZIP Code 12157?
The median annual property tax in ZIP Code 12157 is $5,264, an effective rate of 2% of home value.
Is ZIP Code 12157 expensive to live in?
Homes in ZIP Code 12157 cost about 2.94× the median household income, near the U.S. ZIP codes median.
What is the average rent in ZIP Code 12157?
The median gross rent in ZIP Code 12157 is $887 a month, near the U.S. ZIP codes median.
How much have home prices grown in ZIP Code 12157?
Home prices in ZIP Code 12157 have moved 61% over the past five years, per the FHFA House Price Index.
What is the weather like in ZIP Code 12157?
ZIP Code 12157 averages 47.9°F year-round, summer highs near 81.3°F, winter lows around 15.7°F (NOAA 1991–2020 normals). It sees about 53.5 inches of snow a year.
Is ZIP Code 12157 at risk of flooding or natural disasters?
ZIP Code 12157's FEMA National Risk Index score is 78.7 (higher than 68% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →