New York · GEOID 36097

Schuyler County

2024 ACS 5-year estimates · population 17,562 · 9,752 housing units

Median household income

$67,663

State $89,823

Median home value

$171,800

State $488,843

Median gross rent

$899

State $1,707

Homeownership rate

79.2%

State 54.3%

Renter cost-burden rate

50.0%

≥30% of income

Owner cost-burden rate

21.7%

≥30% of income

Homeowner vacancy

0.4%

Of owner-occupied + for-sale units

Rental vacancy

5.9%

Of renter-occupied + for-rent units

Overall vacancy

24.6%

All housing units

Price-to-income ratio

2.54

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Schuyler County	New York
Population	17,562	19,852,366
Population density (per sq. mi.)	53.49	—
Median household income	$67,663	$89,823
HUD Area Median Income (4-person, 100%)	$90,600	—
Households	7,355	—
Average household size	2.35 people	—
Owner-occupied	79.2%	54.3%
Renter-occupied	20.8%	45.7%
Race	93.1% White · 1.3% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Schuyler County compared with New York.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

26.4% hold a bachelor's degree or higher (state: 40.2%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	22.0%	$45,688	$1,142	$139,047
1 earner	29.5%	$65,100	$1,628	$211,305
2 earners	35.6%	$106,659	$2,666	$366,001
3+ earners	12.8%	$162,882	$4,072	$575,283

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

7,355

Average size: 2.35 people

Households with children

1,748

23.8% of households

Per-capita income

$38,429

Poverty rate: 15.0%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

79.2% owner-occupied vs. state average 54.3%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 70.5% · Missing middle (2–19 units) 8.9%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

63.1% built before 1980 · Median structure age 1,969.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $171,800.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $899.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 2,397 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 0.9% · For rent 4.2% · Seasonal 57.1% · Other 34.9%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

8.0% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 92.0% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

14.0%

1,369 units of 9,752 total

⚑ Above the 10% threshold — meaningful pressure on year-round residents from second-home / short-term-rental demand.

"Other vacant" share of all housing

8.6%

837 units of 9,752 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$54,130

100% MHI$67,663

120% MHI$81,196

County-wide median from ACS 5-year estimates. A household at 100% MHI in Schuyler County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$50,750	$58,000	$72,500
100% AMI	$63,420	$72,480	$90,600
120% AMI	$76,100	$87,000	$108,700

HUD FMR Area: Schuyler County, NY. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

50.0% of renter households spend ≥30% of income on rent (24.5% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

21.7% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Schuyler County.

Covered employment

4,587

Across 14 sectors

Establishments

392

QCEW 2024

Avg annual pay (workforce)

$50,970

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 31-33 Manufacturing NAICS 31-33	806	$60,278	$193,356	+$21,556	$1,507
NAICS 72 Accommodation and food services NAICS 72	783	$28,092	$73,548	−$98,252	$702
NAICS 62 Health care and social assistance NAICS 62	669	$55,946	$177,230	+$5,430	$1,399
NAICS 44-45 Retail trade NAICS 44-45	626	$38,391	$111,885	−$59,915	$960
NAICS 92 Public administration NAICS 92	595	$64,623	$209,529	+$37,729	$1,616
NAICS 61 Educational services NAICS 61	386	$55,968	$177,312	+$5,512	$1,399
NAICS 23 Construction NAICS 23	275	$71,170	$233,899	+$62,099	$1,779
NAICS 81 Other services (except public administration) NAICS 81	191	$47,714	$146,588	−$25,212	$1,193
NAICS 71 Arts, entertainment, and recreation NAICS 71	95	$46,700	$142,814	−$28,986	$1,168
NAICS 48-49 Transportation and warehousing NAICS 48-49	58	$62,510	$201,664	+$29,864	$1,563
NAICS 52 Finance and insurance NAICS 52	41	$73,618	$243,012	+$71,212	$1,840
NAICS 51 Information NAICS 51	23	$29,137	$77,438	−$94,362	$728
NAICS 99 Unclassified NAICS 99	20	$33,138	$92,331	−$79,469	$828
NAICS 53 Real estate and rental and leasing NAICS 53	19	$31,994	$88,073	−$83,727	$800

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 722 Food services and drinking places NAICS 722	525	$27,410	$71,010	−$100,790	$685
NAICS 921 Executive, legislative, and other general government support NAICS 921	446	$50,029	$155,205	−$16,595	$1,251
NAICS 611 Educational services NAICS 611	386	$55,968	$177,312	+$5,512	$1,399
NAICS 312 Beverage and tobacco product manufacturing NAICS 312	282	$33,158	$92,406	−$79,394	$829
NAICS 721 Accommodation NAICS 721	257	$29,595	$79,143	−$92,657	$740
NAICS 236 Construction of buildings NAICS 236	208	$77,855	$258,783	+$86,983	$1,946
NAICS 112 Animal production and aquaculture NAICS 112	139	$59,283	$189,652	+$17,852	$1,482
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	135	$51,282	$159,870	−$11,930	$1,282
NAICS 624 Social assistance NAICS 624	125	$39,063	$114,386	−$57,414	$977
NAICS 441 Motor vehicle and parts dealers NAICS 441	94	$49,014	$151,427	−$20,373	$1,225
NAICS 445 Food and beverage retailers NAICS 445	93	$30,675	$83,163	−$88,637	$767
NAICS 457 Gasoline stations and fuel dealers NAICS 457	79	$37,489	$108,527	−$63,273	$937
NAICS 922 Justice, public order, and safety activities NAICS 922	67	$127,232	$442,581	+$270,781	$3,181
NAICS 111 Crop production NAICS 111	44	$37,476	$108,479	−$63,321	$937
NAICS 491 Postal service NAICS 491	31	$60,859	$195,518	+$23,718	$1,521
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	21	$23,886	$57,892	−$113,908	$597
NAICS 623 Nursing and residential care facilities NAICS 623	20	$101,177	$345,596	+$173,796	$2,529
NAICS 999 Unclassified NAICS 999	20	$33,138	$92,331	−$79,469	$828
NAICS 924 Administration of environmental quality programs NAICS 924	8	$75,593	$250,363	+$78,563	$1,890
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	8	$14,600	$23,327	−$148,473	$365
NAICS 513 Publishing industries NAICS 513	7	$50,563	$157,193	−$14,607	$1,264

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	4,320	(330)	(7%)	$16.61	$34,560	$97,625	$864
Cashiers SOC 41-2011	4,420	(130)	(3%)	$16.69	$34,720	$98,220	$868
Childcare Workers SOC 39-9011	960	90	10%	$17.25	$35,870	$102,501	$897
Retail Salespersons SOC 41-2031	5,240	(1,550)	(23%)	$18.52	$38,510	$112,328	$963
Janitors and Cleaners SOC 37-2011	4,300	270	7%	$18.83	$39,160	$114,747	$979
Tellers SOC 43-3071	530	(180)	(25%)	$19.52	$40,600	$120,107	$1,015
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	1,760	(1,480)	(46%)	$20.64	$42,930	$128,781	$1,073
Office Clerks, General SOC 43-9061	2,780	(570)	(17%)	$20.71	$43,090	$129,376	$1,077
Waiters and Waitresses SOC 35-3031	3,180	(780)	(20%)	$22.74	$47,300	$145,047	$1,183
Maintenance and Repair Workers, General SOC 49-9071	2,440	190	8%	$24.43	$50,810	$158,113	$1,270
Construction Laborers SOC 47-2061	1,100	(200)	(15%)	$25.46	$52,970	$166,153	$1,324
Carpenters SOC 47-2031	820	(90)	(10%)	$27.90	$58,020	$184,951	$1,451
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	2,070	(80)	(4%)	$29.07	$60,460	$194,033	$1,512
Paramedics SOC 29-2043 · prior-year code differs	200	(90)	(31%)	$29.55	$61,460	$197,755	$1,537
Firefighters SOC 33-2011	210	20	11%	$30.36	$63,140	$204,009	$1,579
Elementary School Teachers, Except Special Education SOC 25-2021	2,950	570	24%	—	$67,350	$219,680	$1,684
Electricians SOC 47-2111	440	60	16%	$32.52	$67,650	$220,797	$1,691
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	350	(100)	(22%)	$33.35	$69,360	$227,162	$1,734
Police and Sheriff's Patrol Officers SOC 33-3051	1,320	160	14%	$34.74	$72,260	$237,957	$1,807
Registered Nurses SOC 29-1141	2,900	(70)	(2%)	$43.62	$90,740	$306,746	$2,269

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 36097 · pulled from Full Housing Data Table.xlsx.