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Howes Cave 12092

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New YorkBalanced market
Market temperatureA 0 to 100 score comparing this area with every similar area nationwide each month. 0 is the strongest buyer's market, 100 the strongest seller's market.Balanced market · 52
Buyer's marketBalancedSeller's market
$134K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
15
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$237K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Oct 2025 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Market temperature (0–100)How the 0 to 100 market score moved over time. It blends price growth, sales pace, how often homes change hands, and seller profits.Temperature
20162018201920202022202320242025
Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20162018201920202022202320242025
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20162018201920202022202320242025
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20162018201920202022202320242025
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20162018201920202022202320242025
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20162018201920202022202320242025
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20162018201920202022202320242025
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20162018201920202022202320242025
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20162018201920202022202320242025
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
20162018201920202022202320242025
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
2016201720212023202420252026

Housing Stock

HomesHow many homes we have records for in this area.483
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$237K
Median sizeThe middle home size here, measured in square feet.1,636 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1960
Single familyThe share of homes here that are single-family houses.65%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.60%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.1.0%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.74%
Company ownedThe share of homes owned by a company or trust instead of a person.86%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.38%
Typical ownership tenureHow long the typical owner here has held their home.25.0 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.71
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.62

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.1%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.1,736
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.102 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$72K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91K
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Howes Cave 12092 compares

By median home value, Howes Cave 12092 is the 10th most expensive of 17 ZIP codes in Schoharie County, and its typical home is worth more than 46% of all homes in Schoharie County.

Home values in Howes Cave 12092

Share of homes at each estimated value.

Median
$89K$573K
ZIP codes in Schoharie County ranked by median home value
#Schoharie CountyMedian valueHomes
1Warnerville 12187$300K375
2Sloansville 12160$287K425
3Richmondville 12149$265K1,111
4Schoharie 12157$262K1,526
5Cobleskill 12043$256K2,372
6Esperance 12066$249K853
7Jefferson 12093$249K1,216
8Summit 12175$246K652
9Sharon Springs 13459$238K953
10Howes Cave 12092$237K483
11Gilboa 12076$229K1,410
12Middleburgh 12122$216K2,304
13Charlotteville 12036$214K148
14West Fulton 12194$213K165
15Central Bridge 12035$195K301
16Fultonham 12071$192K143
17North Blenheim 12131$191K145

About the Howes Cave 12092 market

What is the median home price in Howes Cave 12092, NY?

The median sale price in Howes Cave 12092, NY is $133,500 (data through October 2025), based on deeds recorded with the county.

How many homes sell in Howes Cave 12092, NY each year?

15 homes sold in Howes Cave 12092, NY over the last 12 months (data through October 2025). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

Is Howes Cave 12092, NY a buyer's or seller's market?

Howes Cave 12092, NY is currently a balanced market, scoring 52 out of 100 on TopHap's market temperature index (data through October 2025). The score weighs sales velocity and price direction; above 60 favours sellers, below 40 favours buyers.

How many homes are there in Howes Cave 12092, NY?

Howes Cave 12092, NY contains 483 residential properties, with a median of 1,636 square feet, 3 bedrooms, built around 1960. The median TopHap Estimate is $237K.

How does Howes Cave 12092, NY compare to the rest of Schoharie County?

By median home value, Howes Cave 12092, NY is the 10th most expensive of 17 ZIP codes in Schoharie County. Its typical home is worth more than 46% of all homes in Schoharie County. Sharon Springs 13459 ranks just above it and Gilboa 12076 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Howes Cave 12092, NY?

74% of homes in Howes Cave 12092, NY are owner-occupied. 86% are held by a company rather than an individual.

How much equity do owners in Howes Cave 12092, NY hold?

60% of mortgaged homes in Howes Cave 12092, NY are equity-rich, meaning the loan balance is under half the home's value. 1.0% owe more than the home is worth.

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