Lewis County, New York home prices
Typical home $198,555 · +4.7% in a year · property tax 1.62%
The typical home in Lewis County is worth $198,555, 62% less than the New York typical home ($524,942). Values changed +4.7% in the past year and +30.5% over five years. Homeowners here pay a median 1.62% of their home's value in property tax each year ($3,213 on the typical home), versus 1.42% statewide.
Mortgage on the typical Lewis County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,711 | $158,844 | $1,069 | $0 | $367 | $1,436 | $61,500 |
| 10% down | $19,855 | $178,699 | $1,202 | $74 | $367 | $1,644 | $70,400 |
| 5% down | $9,928 | $188,627 | $1,269 | $79 | $367 | $1,715 | $73,500 |
| 3.5% down (FHA) | $6,949 | $194,959 | $1,311 | $88 | $367 | $1,766 | $75,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.62% 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 |
|---|---|---|---|
| Broome County | $201,781 | +6.7% | 2.52% |
| Herkimer County | $204,078 | +6.2% | 2.1% |
| Orleans County | $207,563 | +8.1% | 2.72% |
| Oswego County | $208,964 | +7.3% | 2.4% |
| Tioga County | $209,229 | +7.8% | 2.33% |
| Cortland County | $209,513 | +6.3% | 2.56% |
| Montgomery County | $213,640 | +3.3% | 2.46% |
| Wyoming County | $214,905 | +5.6% | 2.25% |
| Chautauqua County | $180,657 | +4.8% | 2.27% |
| Franklin County | $178,454 | +7.6% | 1.68% |
Frequently asked questions
What is the average home price in Lewis County, NY?
The typical home value in Lewis County is $198,555 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lewis County?
About $61,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lewis County?
The median effective rate is 1.62% of home value a year (Census ACS 2024 5-year estimates).