Chenango County, New York home prices
Typical home $166,867 · +8.2% in a year · property tax 2.26%
The typical home in Chenango County is worth $166,867, 68% less than the New York typical home ($524,942). Values changed +8.2% in the past year and +30.3% over five years. Homeowners here pay a median 2.26% of their home's value in property tax each year ($3,775 on the typical home), versus 1.42% statewide.
Mortgage on the typical Chenango County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $33,373 | $133,493 | $898 | $0 | $398 | $1,296 | $55,500 |
| 10% down | $16,687 | $150,180 | $1,010 | $63 | $398 | $1,471 | $63,000 |
| 5% down | $8,343 | $158,524 | $1,066 | $66 | $398 | $1,530 | $65,600 |
| 3.5% down (FHA) | $5,840 | $163,844 | $1,102 | $74 | $398 | $1,574 | $67,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.26% 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.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Chemung County | $166,618 | +6.6% | 2.45% |
| Cattaraugus County | $168,287 | +4.6% | 2.64% |
| Steuben County | $172,442 | +4.1% | 2.46% |
| Franklin County | $178,454 | +7.6% | 1.68% |
| Chautauqua County | $180,657 | +4.8% | 2.27% |
| Saint Lawrence County | $149,753 | +6.4% | 2.33% |
| Allegany County | $141,748 | +6.7% | 2.92% |
| Lewis County | $198,555 | +4.7% | 1.62% |
| Broome County | $201,781 | +6.7% | 2.52% |
| Herkimer County | $204,078 | +6.2% | 2.1% |
Frequently asked questions
What is the average home price in Chenango County, NY?
The typical home value in Chenango County is $166,867 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Chenango County?
About $55,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Chenango County?
The median effective rate is 2.26% of home value a year (Census ACS 2024 5-year estimates).