Onondaga County, New York home prices
Typical home $285,908 · +6.5% in a year · property tax 2.44%
The typical home in Onondaga County is worth $285,908, 46% less than the New York typical home ($524,942). Values changed +6.5% in the past year and +50.6% over five years. Homeowners here pay a median 2.44% of their home's value in property tax each year ($6,969 on the typical home), versus 1.42% statewide.
Mortgage on the typical Onondaga County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,182 | $228,727 | $1,539 | $0 | $724 | $2,262 | $97,000 |
| 10% down | $28,591 | $257,317 | $1,731 | $107 | $724 | $2,562 | $109,800 |
| 5% down | $14,295 | $271,613 | $1,827 | $113 | $724 | $2,664 | $114,200 |
| 3.5% down (FHA) | $10,007 | $280,730 | $1,888 | $126 | $724 | $2,739 | $117,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.44% 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 Syracuse metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Monroe County | $285,680 | +4.7% | 2.63% |
| Essex County | $292,915 | +6.8% | 1.47% |
| Erie County | $295,625 | +3.4% | 1.98% |
| Hamilton County | $274,369 | +2.0% | 1% |
| Madison County | $265,243 | +6.4% | 2.26% |
| Schenectady County | $312,933 | +5.2% | 2.36% |
| Niagara County | $254,624 | +4.8% | 2.19% |
| Wayne County | $253,487 | +6.1% | 2.5% |
| Washington County | $252,226 | +3.7% | 2.01% |
| Schoharie County | $252,001 | +6.2% | 2.03% |
Frequently asked questions
What is the average home price in Onondaga County, NY?
The typical home value in Onondaga County is $285,908 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Onondaga County?
About $97,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Onondaga County?
The median effective rate is 2.44% of home value a year (Census ACS 2024 5-year estimates).