12157 Property Tax Rate
Schoharie, New York · Part of Schoharie County
Effective Tax Rate
2.61%
8.5% above state avgMedian Annual Tax
$5,697
$475/mo escrow
Estimate Your Tax
Annual Tax
$5,697
Monthly
$475
Eff. Rate
2.61%
Buyer decision brief
What ZIP 12157 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$475/mo
Based on median annual tax paid
State context
0.76 percentage points above the New York average
New York average: 1.85%
Data confidence
High confidenceThe Census margin of error is $473, about 8% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Schoharie County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 12157 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$473 tax MOE, 8% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Schoharie County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 12157
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $218,400, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 2.61%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on New York and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $475 per month before insurance, HOA dues, or special assessments.
Assessor verification
Schoharie County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 12157 Compares
Median Annual Property Tax
ZIP 12157
2.61%
Effective rate
New York Avg
1.85%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in New York
Higher than 87% of ZIP codes in New York(87th percentile, 1,598 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 12157
Property owners in ZIP code 12157 (Schoharie, New York) pay a median of $5,697/year in property taxes on homes valued at $218,400. This translates to an effective tax rate of 2.61%, which is 41% above the New York state average of 1.85%.
The monthly property tax burden for a median-valued home in 12157 is approximately $475, which factors into escrow payments on mortgages. This ZIP code is located within Schoharie County. This is $445 more than the New York average of $5,252/year.
Compared to similar ZIP codes in New York, 12157 has lower property taxes. ZIP codes with similar effective rates include 14414 (2.61%) and 12010 (2.61%).
In Schoharie, property taxes represent approximately 7.4% of the median household income of $77,364, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 12157, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Schoharie County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 12157?
How much are property taxes in Schoharie, NY (12157)?
How does ZIP 12157 compare to the New York average?
What is the median home value in ZIP 12157?
What county is ZIP code 12157 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$473. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 12157 is part of Schoharie County, New York. View the full county profile for broader context and more data.
View Schoharie County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 12157
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
12076
Gilboa, NY
1.39 percentage points lower than ZIP 12157.
Rate
1.21%
Tax
$2,650
Quality
82
12031
Carlisle, NY
1.27 percentage points lower than ZIP 12157.
Rate
1.34%
Tax
$3,833
Quality
67
12092
Howes Cave, NY
1.10 percentage points lower than ZIP 12157.
Rate
1.51%
Tax
$3,081
Quality
71
12131
North Blenheim, NY
1.06 percentage points lower than ZIP 12157.
Rate
1.55%
Tax
$2,447
Quality
77
12175
Summit, NY
1.00 percentage points lower than ZIP 12157.
Rate
1.61%
Tax
$2,360
Quality
77
12035
Central Bridge, NY
0.98 percentage points lower than ZIP 12157.
Rate
1.63%
Tax
$3,056
Quality
67
12167
Stamford, NY
0.93 percentage points lower than ZIP 12157.
Rate
1.68%
Tax
$3,229
Quality
82
12036
Charlotteville, NY
0.84 percentage points lower than ZIP 12157.
Rate
1.76%
Tax
$2,481
Quality
77
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.