Livingston County, New York home prices
Typical home $247,627 · +4.0% in a year · property tax 2.45%
The typical home in Livingston County is worth $247,627, 53% less than the New York typical home ($524,942). Values changed +4.0% in the past year and +35.3% over five years. Homeowners here pay a median 2.45% of their home's value in property tax each year ($6,079 on the typical home), versus 1.42% statewide.
Mortgage on the typical Livingston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,525 | $198,101 | $1,333 | $0 | $630 | $1,963 | $84,100 |
| 10% down | $24,763 | $222,864 | $1,499 | $93 | $630 | $2,222 | $95,200 |
| 5% down | $12,381 | $235,245 | $1,583 | $98 | $630 | $2,311 | $99,000 |
| 3.5% down (FHA) | $8,667 | $243,141 | $1,636 | $110 | $630 | $2,376 | $101,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.45% 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 Rochester metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Schuyler County | $246,028 | +4.8% | 1.97% |
| Delaware County | $250,587 | +5.2% | 1.72% |
| Schoharie County | $252,001 | +6.2% | 2.03% |
| Washington County | $252,226 | +3.7% | 2.01% |
| Wayne County | $253,487 | +6.1% | 2.5% |
| Niagara County | $254,624 | +4.8% | 2.19% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Jefferson County | $234,099 | +6.0% | 1.54% |
| Clinton County | $230,451 | +6.0% | 2% |
Frequently asked questions
What is the average home price in Livingston County, NY?
The typical home value in Livingston County is $247,627 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Livingston County?
About $84,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Livingston County?
The median effective rate is 2.45% of home value a year (Census ACS 2024 5-year estimates).