Schuyler County, New York home prices
Typical home $246,028 · +4.8% in a year · property tax 1.97%
The typical home in Schuyler County is worth $246,028, 53% less than the New York typical home ($524,942). Values changed +4.8% in the past year and +22.7% over five years. Homeowners here pay a median 1.97% of their home's value in property tax each year ($4,855 on the typical home), versus 1.42% statewide.
Mortgage on the typical Schuyler County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,206 | $196,823 | $1,324 | $0 | $528 | $1,852 | $79,400 |
| 10% down | $24,603 | $221,426 | $1,490 | $92 | $528 | $2,109 | $90,400 |
| 5% down | $12,301 | $233,727 | $1,572 | $97 | $528 | $2,197 | $94,200 |
| 3.5% down (FHA) | $8,611 | $241,572 | $1,625 | $109 | $528 | $2,261 | $96,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.97% 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 |
|---|---|---|---|
| Livingston County | $247,627 | +4.0% | 2.45% |
| 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% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Niagara County | $254,624 | +4.8% | 2.19% |
| 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 Schuyler County, NY?
The typical home value in Schuyler County is $246,028 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Schuyler County?
About $79,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Schuyler County?
The median effective rate is 1.97% of home value a year (Census ACS 2024 5-year estimates).