Fulton County, New York home prices
Typical home $228,431 · +7.4% in a year · property tax 2.06%
The typical home in Fulton County is worth $228,431, 56% less than the New York typical home ($524,942). Values changed +7.4% in the past year and +31.0% over five years. Homeowners here pay a median 2.06% of their home's value in property tax each year ($4,711 on the typical home), versus 1.42% statewide.
Mortgage on the typical Fulton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,686 | $182,745 | $1,229 | $0 | $507 | $1,736 | $74,400 |
| 10% down | $22,843 | $205,588 | $1,383 | $86 | $507 | $1,976 | $84,700 |
| 5% down | $11,422 | $217,009 | $1,460 | $90 | $507 | $2,057 | $88,200 |
| 3.5% down (FHA) | $7,995 | $224,293 | $1,509 | $101 | $507 | $2,117 | $90,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.06% 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 Gloversville metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Genesee County | $227,342 | +5.7% | 2.41% |
| Clinton County | $230,451 | +6.0% | 2% |
| Seneca County | $225,973 | +5.9% | 2.19% |
| Jefferson County | $234,099 | +6.0% | 1.54% |
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Otsego County | $220,102 | +5.5% | 1.7% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Wyoming County | $214,905 | +5.6% | 2.25% |
| Montgomery County | $213,640 | +3.3% | 2.46% |
| Schuyler County | $246,028 | +4.8% | 1.97% |
Frequently asked questions
What is the average home price in Fulton County, NY?
The typical home value in Fulton County is $228,431 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Fulton County?
About $74,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Fulton County?
The median effective rate is 2.06% of home value a year (Census ACS 2024 5-year estimates).