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Albany-Schenectady-Troy, NY

Cost of living in Schoharie County, NY

Part of the Albany Metro Area

Estimated monthly cost
$3,357/mo
for a single person, all categories combined

Population 29,979 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,230 37%
Federal tax $490 15%
Healthcare $480 14%
Groceries $404 12%
Transport $320 10%
Energy $208 6%
State tax $170 5%
Water $55 2%

Rent in Schoharie County

Fair Market Rents by bedroom count.

Studio
$1,074
per month
1 bedroom
$1,230
per month
2 bedroom
$1,487
per month
3 bedroom
$1,792
per month
4 bedroom
$1,971
per month

Source: HUD FMR FY2025

Income and earnings in Schoharie County

Annual earnings figures from the Census ACS.

Household income
$71,188
per year
Individual earnings
$40,025
per year
Per capita
$38,100
per year

Source: ACS 2019-2023 5-Year.

Home values in Schoharie County

Average values reported by homeowners.

Average home value
$182,000
Annual property tax
$3,977

Source: ACS 2019-2023 5-Year

Energy costs in Schoharie County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 23.4¢/kWh
Natural gas
$68
per month
Annual total
$2,496
per year

Source: EIA

Healthcare in Schoharie County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.1%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Schoharie County

State and local tax rates for New York.

State income tax
10.9%
Top marginal rate
State sales tax
4.0%
Combined sales tax
8.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Schoharie County

Commute patterns and estimated costs.

Average commute
30.3 min
Drive alone
73.7%
Public transit
0.4%
Work from home
10.4%

Source: ACS

Monthly cost estimates for Schoharie County

What it costs to live in Schoharie County each month.

Single person
$3,357
per month
  • Rent $1,230
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $490
  • State tax $170
Couple
$4,903
per month
  • Rent $1,487
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $835
  • State tax $313
Family
$7,413
per month
  • Rent $1,792
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $835
  • State tax $313

Frequently asked questions about Schoharie County

Common questions about cost of living, rent and salary.

What is the average rent in Schoharie County?

In Schoharie County, NY, a one-bedroom apartment averages $1,230 per month, a two-bedroom averages $1,487 per month, a three-bedroom averages $1,792 per month, according to HUD Fair Market Rent data.

What is the average salary in Schoharie County?

In Schoharie County, NY, the average household income is $71,188 per year and individual earnings for full-time workers average $40,025 per year, according to U.S. Census Bureau data.

What is the cost of living in Schoharie County?

The estimated cost of living in Schoharie County, NY is approximately $3,357 per month for a single person, $4,903 for a couple, $7,413 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Schoharie County?

The combined sales tax rate in Schoharie County, NY is 8.52%, which includes the New York state rate of 4.00% plus an average local rate of 4.52%.

Is Schoharie County an affordable place to live?

Based on the data, a single person in Schoharie County, NY would need approximately $3,357 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $71,188 per year ($5,932 per month). Schoharie County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Schoharie County?

The ACA marketplace benchmark premium in Schoharie County, NY is approximately $480 per month for an individual. Approximately 4.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Schoharie County?

The average home value in Schoharie County, NY is $182,000, with average annual property taxes of $3,977, according to U.S. Census Bureau data.

How does Schoharie County compare to other areas?

You can compare Schoharie County, NY with any other US county using our comparison tool at /compare. Schoharie County is in the Albany-Schenectady-Troy, NY metro area.

Other counties in New York

Browse the full list of counties in New York, ranked by cost of living.

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Compare Schoharie County with another area

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About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources