Clinton County, New York home prices
Typical home $230,451 · +6.0% in a year · property tax 2%
The typical home in Clinton County is worth $230,451, 56% less than the New York typical home ($524,942). Values changed +6.0% in the past year and +31.8% over five years. Homeowners here pay a median 2% of their home's value in property tax each year ($4,601 on the typical home), versus 1.42% statewide.
Mortgage on the typical Clinton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,090 | $184,361 | $1,240 | $0 | $499 | $1,739 | $74,500 |
| 10% down | $23,045 | $207,406 | $1,395 | $86 | $499 | $1,980 | $84,900 |
| 5% down | $11,523 | $218,929 | $1,473 | $91 | $499 | $2,063 | $88,400 |
| 3.5% down (FHA) | $8,066 | $226,277 | $1,522 | $102 | $499 | $2,123 | $91,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2% 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 Plattsburgh metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Fulton County | $228,431 | +7.4% | 2.06% |
| Genesee County | $227,342 | +5.7% | 2.41% |
| Jefferson County | $234,099 | +6.0% | 1.54% |
| Seneca County | $225,973 | +5.9% | 2.19% |
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Otsego County | $220,102 | +5.5% | 1.7% |
| Wyoming County | $214,905 | +5.6% | 2.25% |
| Schuyler County | $246,028 | +4.8% | 1.97% |
| Montgomery County | $213,640 | +3.3% | 2.46% |
Frequently asked questions
What is the average home price in Clinton County, NY?
The typical home value in Clinton County is $230,451 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clinton County?
About $74,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clinton County?
The median effective rate is 2% of home value a year (Census ACS 2024 5-year estimates).