Chautauqua County, New York home prices
Typical home $180,657 · +4.8% in a year · property tax 2.27%
The typical home in Chautauqua County is worth $180,657, 66% less than the New York typical home ($524,942). Values changed +4.8% in the past year and +37.5% over five years. Homeowners here pay a median 2.27% of their home's value in property tax each year ($4,098 on the typical home), versus 1.42% statewide.
Mortgage on the typical Chautauqua County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,131 | $144,525 | $972 | $0 | $432 | $1,404 | $60,200 |
| 10% down | $18,066 | $162,591 | $1,094 | $68 | $432 | $1,593 | $68,300 |
| 5% down | $9,033 | $171,624 | $1,155 | $72 | $432 | $1,658 | $71,000 |
| 3.5% down (FHA) | $6,323 | $177,385 | $1,193 | $80 | $432 | $1,705 | $73,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.27% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New York · part of the Jamestown metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Franklin County | $178,454 | +7.6% | 1.68% |
| Steuben County | $172,442 | +4.1% | 2.46% |
| Cattaraugus County | $168,287 | +4.6% | 2.64% |
| Chenango County | $166,867 | +8.2% | 2.26% |
| Chemung County | $166,618 | +6.6% | 2.45% |
| Lewis County | $198,555 | +4.7% | 1.62% |
| Broome County | $201,781 | +6.7% | 2.52% |
| Herkimer County | $204,078 | +6.2% | 2.1% |
| Orleans County | $207,563 | +8.1% | 2.72% |
| Oswego County | $208,964 | +7.3% | 2.4% |
Frequently asked questions
What is the average home price in Chautauqua County, NY?
The typical home value in Chautauqua County is $180,657 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Chautauqua County?
About $60,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Chautauqua County?
The median effective rate is 2.27% of home value a year (Census ACS 2024 5-year estimates).