Essex County, New York home prices
Typical home $292,915 · +6.8% in a year · property tax 1.47%
The typical home in Essex County is worth $292,915, 44% less than the New York typical home ($524,942). Values changed +6.8% in the past year and +25.5% over five years. Homeowners here pay a median 1.47% of their home's value in property tax each year ($4,311 on the typical home), versus 1.42% statewide.
Mortgage on the typical Essex County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $58,583 | $234,332 | $1,576 | $0 | $506 | $2,082 | $89,200 |
| 10% down | $29,292 | $263,624 | $1,773 | $110 | $506 | $2,389 | $102,400 |
| 5% down | $14,646 | $278,269 | $1,872 | $116 | $506 | $2,494 | $106,900 |
| 3.5% down (FHA) | $10,252 | $287,610 | $1,935 | $130 | $506 | $2,570 | $110,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.47% 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 |
|---|---|---|---|
| Erie County | $295,625 | +3.4% | 1.98% |
| Onondaga County | $285,908 | +6.5% | 2.44% |
| Monroe County | $285,680 | +4.7% | 2.63% |
| Hamilton County | $274,369 | +2.0% | 1% |
| Schenectady County | $312,933 | +5.2% | 2.36% |
| Madison County | $265,243 | +6.4% | 2.26% |
| Ontario County | $323,653 | +5.8% | 2.05% |
| Sullivan County | $323,717 | +4.8% | 2% |
| Yates County | $325,604 | +5.1% | 1.88% |
| Rensselaer County | $327,950 | +5.8% | 2.05% |
Frequently asked questions
What is the average home price in Essex County, NY?
The typical home value in Essex County is $292,915 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Essex County?
About $89,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Essex County?
The median effective rate is 1.47% of home value a year (Census ACS 2024 5-year estimates).