Jefferson County, New York home prices
Typical home $234,099 · +6.0% in a year · property tax 1.54%
The typical home in Jefferson County is worth $234,099, 55% less than the New York typical home ($524,942). Values changed +6.0% in the past year and +31.1% over five years. Homeowners here pay a median 1.54% of their home's value in property tax each year ($3,606 on the typical home), versus 1.42% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,820 | $187,279 | $1,260 | $0 | $418 | $1,677 | $71,900 |
| 10% down | $23,410 | $210,689 | $1,417 | $88 | $418 | $1,923 | $82,400 |
| 5% down | $11,705 | $222,394 | $1,496 | $93 | $418 | $2,006 | $86,000 |
| 3.5% down (FHA) | $8,193 | $229,859 | $1,546 | $104 | $418 | $2,067 | $88,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.54% 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 Watertown metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Clinton County | $230,451 | +6.0% | 2% |
| Fulton County | $228,431 | +7.4% | 2.06% |
| Genesee County | $227,342 | +5.7% | 2.41% |
| Seneca County | $225,973 | +5.9% | 2.19% |
| Schuyler County | $246,028 | +4.8% | 1.97% |
| Livingston County | $247,627 | +4.0% | 2.45% |
| Otsego County | $220,102 | +5.5% | 1.7% |
| Delaware County | $250,587 | +5.2% | 1.72% |
Frequently asked questions
What is the average home price in Jefferson County, NY?
The typical home value in Jefferson County is $234,099 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $71,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 1.54% of home value a year (Census ACS 2024 5-year estimates).