County FMR · HUD FY2026
Schoharie County Fair Market Rent
HUD's FY2026 Fair Market Rent for Schoharie County, NY - 48% above the US average.
- $1,417
- 1-bedroom FMR
- $1,702
- 2-bedroom FMR
- +15.2%
- YoY change
- +48%
- vs US avg
The verdict
Schoharie is the 15th most expensive of 62 counties in New York by 2-bedroom FMR; nationally it ranks #314 most expensive of 3,145 HUD counties; rent here has climbed 15.2% since FY 2025, a sharp move relative to most counties.
- #314
- most expensive of 3,145 US counties (2BR)
- #15
- most expensive of 62 in New York (2BR)
- +8%
- vs the state average
- $56,680
- income to afford it (30% rule)
Software Developers spend the smallest share of income on rent here (10.5%), while Fast Food and Counter Workers spend the most (48.2%).
FY 2026 HUD Fair Market Rent for Schoharie County, NY. Verify with HUD →
The Fair Market Rent for a 1-bedroom apartment in Schoharie County, New York is $1,417 per month in FY 2026, according to the U.S. Department of Housing and Urban Development (HUD). A 2-bedroom costs $1,702/mo and a studio is $1,217/mo. This is 48% higher than the national average of $959 and 8% above the New York average of $1,315.
Rent increased15.2% from FY 2025 ($1,230), outpacing inflation. A household needs about $56,680/year to stay under the 30% rent-to-income line.
Observed renter burden: 36.6% of the 2,777 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from HUD's FY2026 Fair Market Rent benchmark above.
Market slack: The ACS rental vacancy rate here is 2.2%, a tight rental market where HUD's annual FMR schedule can lag what landlords are actually asking.
Local labor market: The county's BLS unemployment rate has averaged 4.4% over the past 12 months, close to the typical US county range.
FY 2026 HUD Fair Market Rents in New York. Population: 29,970. Population has held roughly steady over the past five years (-4.4%, Census ACS). That's slower than New York's statewide growth of +1.3% over the same period.
FMR filing desk
Area SCHOHARIE·COUNTY·NY·NY
Schoharie County, NY: $1,417/mo 1BR · #314 of 3145 counties (2BR) · FY2026
- FMR-AREA NY
- 1BR-FMR $1,417
- 2BR-FMR $1,702
- RANK-UPPER #314
- YOY-SURGE +15.2%
- VSUS-HIGH +48%
- VS-ST-NEAR +8% NY
- INC-MID 24%
- POP-SMALL 30K
- PHOTO-NEAR Kings County
- VOUCH-90-110 $1,275–$1,559
- FY-2026 FY2026
Photo-finish peer: Kings ($1,238 1BR gap)
Read with: Understanding rent burden
Fair Market Rents (2026)
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $1,074 | $1,217 | +$143 (+13.3%) |
| 1 Bedroom | $1,230 | $1,417 | +$187 (+15.2%) |
| 2 Bedroom | $1,487 | $1,702 | +$215 (+14.5%) |
| 3 Bedroom | $1,792 | $2,041 | +$249 (+13.9%) |
| 4 Bedroom | $1,971 | $2,253 | +$282 (+14.3%) |
Rent Burden Analysis
How much of household income goes to rent in Schoharie County. The 30% threshold indicates cost burden.
How we calculate this
Rent burden = (FMR × 12) ÷ county median household income. Required income = (FMR × 12) ÷ 0.3, the federal 30%-of-gross-income rule HUD uses to define cost burden. Median household income is from the U.S. Census Bureau's American Community Survey; FMR is from HUD's FY2026 release. See methodology.
Where Schoharie sits among every US county
2-bedroom Fair Market Rent vs. all 3,145 HUD counties
$1,702 Top 10% higher than 90% of 3,145 counties
Each bar is a $0.2K-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026
How Schoharie compares on 1-bedroom rent
1-bedroom FMR vs other New York counties
- Kings
Kings County
$2,655 1BR FMR / mo
- Queens
Queens County
$2,655 1BR FMR / mo
- New York
New York County
$2,655 1BR FMR / mo
- Bronx
Bronx County
$2,655 1BR FMR / mo
- Suffolk
Suffolk County
$2,379 1BR FMR / mo
- Nassau
Nassau County
$2,379 1BR FMR / mo
- Schoharie
Schoharie County
$1,417 1BR FMR / mo
What this shows Schoharie is highlighted. Nearby New York counties by 1-bedroom FMR, highest to lowest: Kings County ($2,655), Queens County ($2,655), New York County ($2,655), Bronx County ($2,655), Suffolk County ($2,379), Nassau County ($2,379), Schoharie County (this county) ($1,417).
Can Common Jobs Afford Rent Here?
Against a high local FMR of $1,417/mo, which of 15 common occupations still clear the 30% line using New York BLS wages?
| Occupation | NY Salary | Rent Burden | Verdict |
|---|---|---|---|
| Software Developers | $161,260 | 10.5% | Affordable |
| General & Operations Managers | $129,990 | 13.1% | Affordable |
| Registered Nurses | $105,600 | 16.1% | Affordable |
| Accountants & Auditors | $101,780 | 16.7% | Affordable |
| Police & Sheriff's Patrol Officers | $93,050 | 18.3% | Affordable |
| Elementary School Teachers | $82,480 | 20.6% | Affordable |
| Electricians | $77,460 | 22% | Affordable |
| Paralegals & Legal Assistants | $66,390 | 25.6% | Affordable |
| Heavy & Tractor-Trailer Truck Drivers | $60,520 | 28.1% | Affordable |
| Customer Service Representatives | $47,840 | 35.5% | Stretched |
| Pharmacy Technicians | $40,840 | 41.6% | Stretched |
| Janitors & Cleaners | $39,920 | 42.6% | Stretched |
| Retail Salespersons | $37,020 | 45.9% | Stretched |
| Teaching Assistants | $36,600 | 46.5% | Stretched |
| Fast Food & Counter Workers | $35,270 | 48.2% | Stretched |
Rent Trends (2020–2026)
7-year Fair Market Rent history for Schoharie County. Shows how HUD rental rates have changed over time.
Over the 6-year span HUD has tracked for Schoharie (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 65.7% overall, from $855 to $1,417. Most of that movement was gradual except for a single sharp jump of +15.2% in FY 2026, well above this county's typical year-to-year change.
| Year | Studio | 1 BR | 2 BR |
|---|---|---|---|
| FY 2026 ↑15.2% | $1,217 | $1,417 | $1,702 |
| FY 2025 ↑8.8% | $1,074 | $1,230 | $1,487 |
| FY 2024 ↑4.8% | $1,011 | $1,131 | $1,374 |
| FY 2023 ↑8.9% | $968 | $1,079 | $1,313 |
| FY 2022 ↑8.7% | $890 | $991 | $1,207 |
| FY 2021 ↑6.7% | $809 | $912 | $1,117 |
| FY 2020 | $747 | $855 | $1,054 |
Part of the Albany-Schenectady-Troy, NY Metro Area
Schoharie County is a outlying county of the Albany-Schenectady-Troy, NY metropolitan statistical area, alongside 4 other metro-area counties.
Schoharie County ranks #5 of 5 counties in this metro area by 1-bedroom FMR. Every county sharing this metro, highest to lowest: Albany County ($1,417), Saratoga County ($1,417), Rensselaer County ($1,417), Schenectady County ($1,417), Schoharie County (this county) ($1,417).
Nationwide peers by 2BR FMR & rent burden
Two PlainRent-derived comparison paths for Schoharie County, both outside New York so the link neighborhoods are not the same-state geography lattice above. Axes stay disjoint: burden peers exclude the FMR peer set.
Similar 2-bedroom FMR
Nearest HUD 2BR Fair Market Rents outside NY (FY2026).
Similar rent burden
Nearest 2BR FMR as a share of median household income (outside NY).
Nearby Counties in New York
Largest counties by population in New York
Showing the 8 largest of 61 other counties in New York.
Frequently Asked Questions
What is the average rent in Schoharie County?
The FY 2026 Fair Market Rent for a 1-bedroom in Schoharie County is $1,417 per month. A 2-bedroom is $1,702 and a studio is $1,217.
How does Schoharie County rent compare to the national average?
Rent in Schoharie County is 48% above the national average. A 1-bedroom here costs $1,417 compared to $959 nationally.
Where does Schoharie County rank nationally for Fair Market Rent?
According to HUD's FY 2026 Fair Market Rent schedule, Schoharie County's 2-bedroom FMR of $1,702 ranks #314 most expensive among 3,145 HUD counties, placing it in the highest-rent tenth of HUD counties.
What income do I need to afford rent in Schoharie County?
Based on the 30% affordability rule, you need an annual income of at least $56,680 ($4,723/month) to afford a 1-bedroom at Fair Market Rent in Schoharie County.
Is rent going up or down in Schoharie County?
The 1-bedroom Fair Market Rent in Schoharie County increased by 15.2% from FY 2025 to FY 2026, going from $1,230 to $1,417.
Which jobs can afford rent in Schoharie County?
Based on New York BLS salary data and the 30% affordability rule, jobs like Software Developers, General and Operations Managers, Registered Nurses can afford a 1-bedroom at $1,417/mo. 9 of 15 common occupations are affordable here.
How much has rent changed in Schoharie County over time?
The 1-bedroom Fair Market Rent in Schoharie County went from $855 in FY 2020 to $1,417 in FY 2026, a total change of +65.7% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Schoharie County?
In Schoharie County, the FY 2026 FMR of $1,417/mo for a 1-bedroom sets the baseline that local housing authorities use for Section 8 payment standards.
What does Fair Market Rent mean for Schoharie County?
For Schoharie County, it's the specific 40th-percentile rent HUD publishes each year ($1,417/mo for a 1-bedroom in FY 2026).
Is the rental market tight or loose in Schoharie County?
The ACS rental vacancy rate here is 2.2%, a tight rental market where HUD's annual FMR schedule can lag what landlords are actually asking.
What is the unemployment rate in Schoharie County?
The county's BLS unemployment rate has averaged 4.4% over the past 12 months, close to the typical US county range.
Data sources
What this means for renters
Treat Schoharie's FY2026 Fair Market Rent as HUD's affordability benchmark, not a single market quote.
- Budget to roughly 30% of income: the FY2026 1-bedroom FMR of $1,417 implies about $56,680/yr to rent without being cost-burdened. Run your numbers
- New York counties vary widely around this figure - compare specific counties before assuming this applies to yours. Compare vs Kings
- See where Schoharie ranks nationally on rent. National rankings
Fair Market Rent is HUD's 40th-percentile policy benchmark used to set Housing Choice Voucher payment standards. Actual asking rents can run higher or lower, and HUD updates FMRs once a year. This site is informational and not financial or relocation advice.
Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.