Genesee County, New York home prices
Typical home $227,342 · +5.7% in a year · property tax 2.41%
The typical home in Genesee County is worth $227,342, 57% less than the New York typical home ($524,942). Values changed +5.7% in the past year and +31.3% over five years. Homeowners here pay a median 2.41% of their home's value in property tax each year ($5,484 on the typical home), versus 1.42% statewide.
Mortgage on the typical Genesee County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,468 | $181,874 | $1,223 | $0 | $571 | $1,794 | $76,900 |
| 10% down | $22,734 | $204,608 | $1,376 | $85 | $571 | $2,032 | $87,100 |
| 5% down | $11,367 | $215,975 | $1,453 | $90 | $571 | $2,114 | $90,600 |
| 3.5% down (FHA) | $7,957 | $223,225 | $1,502 | $101 | $571 | $2,173 | $93,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.41% 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 Batavia metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Fulton County | $228,431 | +7.4% | 2.06% |
| Seneca County | $225,973 | +5.9% | 2.19% |
| Clinton County | $230,451 | +6.0% | 2% |
| Jefferson County | $234,099 | +6.0% | 1.54% |
| Otsego County | $220,102 | +5.5% | 1.7% |
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Wyoming County | $214,905 | +5.6% | 2.25% |
| Montgomery County | $213,640 | +3.3% | 2.46% |
| Cortland County | $209,513 | +6.3% | 2.56% |
Frequently asked questions
What is the average home price in Genesee County, NY?
The typical home value in Genesee County is $227,342 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Genesee County?
About $76,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Genesee County?
The median effective rate is 2.41% of home value a year (Census ACS 2024 5-year estimates).