New York.
9th most expensive state. Typical home $524,942 (+5.6% in a year), estimated payment $2,893 a month. As of Sep 2026.
to buy the typical home at today's mortgage rate — +$1,478 (+116%) since Jan 2020.
- 1 year
- Up $27,754 +6%
- $497,189$524,942 since Sep 2025
- 5 years
- Up $120,163 +30%
- $404,780$524,942 since Sep 2021
- 10 years
- Up $234,691 +81%
- $290,252$524,942 since Sep 2016
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.
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in New York rose 5.6% over the past year — faster than the nation's +1.2%.
Buying the typical New York home now takes 40% of the median household income ($85,974/yr, ACS 2020–2024) — the standard affordability line is 30%.
Share of median income needed to buy
Monthly payment for the typical home against the local median household income. Income is an annual survey, stepped — the saw-teeth are survey years, not markets.
- New York38.46%
- United States28.57%
New York home values
Zillow Home Value Index against the national figure. Mid-tier homes, smoothed and seasonally adjusted.
- New York$524,942
- United States$366,157
Metros in New York
Largest first, by population. Zillow publishes rent for fewer metros than home values, so a dash means no series — not a market at zero.
| # | Metro activate to sort by Metro | Rent activate to sort by Rent | 1-yr Δ activate to sort by 1-yr Δ | Home value sorted descending, activate to sort ascending | 1-yr Δ activate to sort by 1-yr Δ |
|---|---|---|---|---|---|
| 1 | New York | $3,546 | +4.2% | $730,949 | +4.9% |
| 2 | Hudson | $2,210 | +6.9% | $489,939 | +5.6% |
| 3 | Kingston | $2,015 | +4.4% | $451,632 | +3.6% |
| 4 | Albany | $1,693 | +4.7% | $373,057 | +5.0% |
| 5 | Ithaca | $1,987 | +3.8% | $350,378 | +3.5% |
| 6 | Glens Falls | $1,444 | +8.4% | $315,355 | +5.0% |
| 7 | Buffalo | $1,451 | +3.8% | $287,359 | +3.6% |
| 8 | Rochester | $1,532 | +2.8% | $281,279 | +4.9% |
| 9 | Syracuse | $1,627 | +3.2% | $268,949 | +6.6% |
| 10 | Auburn | $1,428 | — | $235,020 | +5.7% |
| 11 | Watertown | $1,496 | +7.5% | $234,096 | +6.0% |
| 12 | Utica | $1,424 | +4.1% | $231,322 | +5.8% |
| 13 | Plattsburgh | $1,279 | — | $230,427 | +6.0% |
| 14 | Gloversville | $1,150 | +9.4% | $228,444 | +7.4% |
| 15 | Batavia | $1,516 | — | $227,346 | +5.7% |
| 16 | Oneonta | $1,931 | +4.7% | $220,097 | +5.5% |
| 17 | Amsterdam | $1,306 | — | $213,643 | +3.3% |
| 18 | Binghamton | $1,610 | +6.6% | $203,310 | +6.9% |
| 19 | Jamestown | $1,078 | +8.6% | $180,656 | +4.8% |
| 20 | Malone | — | — | $178,424 | +7.6% |
| 21 | Corning | $1,274 | +2.8% | $172,444 | +4.1% |
| 22 | Olean | $1,001 | — | $168,279 | +4.6% |
| 23 | Elmira | $1,143 | +9.6% | $166,607 | +6.7% |
| 24 | Ogdensburg | $1,239 | +6.0% | $149,734 | +6.5% |
| 25 | Poughkeepsie | $2,259 | +3.6% | — | — |
Go deeper: every zip in New York.