Dunkirk, New York.
Typical home $133,809 (+2.3% in a year). Jamestown-Dunkirk-Fredonia, NY metro.
to buy the typical home at today's mortgage rate — +$70 (+11%) since Dec 2023.
- 1 year
- Up $2,959 +2%
- $130,850$133,809 since Sep 2025
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Dunkirk$702
- New York$2,755
- United States$1,922
Typical home values in Dunkirk, NY rose 2.3% over the past year — faster than the nation's +1.2%.
Living in Dunkirk, Chautauqua County, New York
Dunkirk is a city of 12,743 people in Chautauqua County. Half its households earn more than $53,299 a year and half less, against $58,351 across Chautauqua County; 24% of its people live below the poverty line. 58% of its homes are lived in by their owners and 42% are rented. Unemployment in Chautauqua County was 4.6% in August 2026, and the county had 0.7% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Dunkirk is a small city on the shore of Lake Erie in Chautauqua County, where residents are somewhat older than in many American towns. Incomes run below the county's, and more people live below the poverty line than most would expect, while homes are modest in price and most are lived in by their owners. Winters are cold, with January highs just above freezing, and summers are warm but not hot, with a good deal of rain and melted snow through the year.
Work. Many residents work in schools, hospitals and social care, and in manufacturing, with shops, restaurants and hotels also employing a good number. The largest workplaces in Dunkirk include the Dunkirk City School District, Wells Enterprises, an ice cream maker, and the Brooks-TLC Hospital System. Commutes are short, and few people work from home. Jobs across the county have slipped slightly over the past year, and unemployment there is about where it was a year ago.
Things to do. Canadaway Creek runs in or beside town, and the Fredonia Opera House, a theatre, is also close by. Lake Erie State Park is a short drive away, a protected shoreline area good for a day out. Chautauqua Lake, a longer drive away, is one of the better known lakes in the region.
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- 5,530households
- 16%of adults have a degree
- 24%below the poverty line
- 19 mintypical commute
- 4%work from home
What residents work in
Employed residents by industry, from the Census survey. Chautauqua County had 45,974 jobs in 2025, 0.7% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 33° and lows near 17°; warmest in July, with highs near 80° and lows near 61°. About 47 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Dunkirk weather station, under a mile away (NOAA).
Largest workplaces in Dunkirk
- Dunkirk City School DistrictSchool district353FTE
- Wells EnterprisesIce cream manufacturing309
- Brooks-tlc Hospital SystemGeneral hospital286FTE
- Dunkirk Universal StainlessStainless steel made in iron and steel mills244
- ECR InternationalBoilers, heating, manufacturing130
- Special Metals DunkirkHot forgings made from purchased nonferrous metals, unfinished61
- UPSCouriers and express delivery services40
- National Fuel Gas DistDistribution of natural gas33
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 843 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Lightningrelatively high in parts of DunkirkRelatively moderate
- Strong windRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Dunkirk’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Chautauqua County and the Jamestown-Dunkirk-Fredonia, NY metro.
Dunkirk home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Dunkirk$133,809
- New York$524,942
- United States$366,157
Sellers are cutting prices on about 1 in 3 Dunkirk listings — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Dunkirk29.92%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Dunkirk42
New listings per month
Sellers arriving at the market.
- Dunkirk16
Zip codes with a Dunkirk address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Dunkirk — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.