Hamilton County, New York home prices
Typical home $274,369 · +2.0% in a year · property tax 1%
The typical home in Hamilton County is worth $274,369, 48% less than the New York typical home ($524,942). Values changed +2.0% in the past year and +26.8% over five years. Homeowners here pay a median 1% of their home's value in property tax each year ($2,738 on the typical home), versus 1.42% statewide.
Mortgage on the typical Hamilton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,874 | $219,495 | $1,477 | $0 | $365 | $1,842 | $78,900 |
| 10% down | $27,437 | $246,932 | $1,661 | $103 | $365 | $2,129 | $91,300 |
| 5% down | $13,718 | $260,651 | $1,753 | $109 | $365 | $2,227 | $95,500 |
| 3.5% down (FHA) | $9,603 | $269,399 | $1,812 | $121 | $365 | $2,299 | $98,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1% 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 |
|---|---|---|---|
| Madison County | $265,243 | +6.4% | 2.26% |
| Monroe County | $285,680 | +4.7% | 2.63% |
| Onondaga County | $285,908 | +6.5% | 2.44% |
| Essex County | $292,915 | +6.8% | 1.47% |
| Niagara County | $254,624 | +4.8% | 2.19% |
| Wayne County | $253,487 | +6.1% | 2.5% |
| Erie County | $295,625 | +3.4% | 1.98% |
| Washington County | $252,226 | +3.7% | 2.01% |
| Schoharie County | $252,001 | +6.2% | 2.03% |
| Delaware County | $250,587 | +5.2% | 1.72% |
Frequently asked questions
What is the average home price in Hamilton County, NY?
The typical home value in Hamilton County is $274,369 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hamilton County?
About $78,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hamilton County?
The median effective rate is 1% of home value a year (Census ACS 2024 5-year estimates).