Seneca County, New York home prices
Typical home $225,973 · +5.9% in a year · property tax 2.19%
The typical home in Seneca County is worth $225,973, 57% less than the New York typical home ($524,942). Values changed +5.9% in the past year and +33.4% over five years. Homeowners here pay a median 2.19% of their home's value in property tax each year ($4,948 on the typical home), versus 1.42% statewide.
Mortgage on the typical Seneca County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,195 | $180,778 | $1,216 | $0 | $525 | $1,741 | $74,600 |
| 10% down | $22,597 | $203,375 | $1,368 | $85 | $525 | $1,978 | $84,800 |
| 5% down | $11,299 | $214,674 | $1,444 | $89 | $525 | $2,059 | $88,200 |
| 3.5% down (FHA) | $7,909 | $221,880 | $1,493 | $100 | $525 | $2,118 | $90,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.19% 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 Seneca Falls metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Genesee County | $227,342 | +5.7% | 2.41% |
| Fulton County | $228,431 | +7.4% | 2.06% |
| Clinton County | $230,451 | +6.0% | 2% |
| Otsego County | $220,102 | +5.5% | 1.7% |
| Jefferson County | $234,099 | +6.0% | 1.54% |
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Wyoming County | $214,905 | +5.6% | 2.25% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Montgomery County | $213,640 | +3.3% | 2.46% |
| Cortland County | $209,513 | +6.3% | 2.56% |
Frequently asked questions
What is the average home price in Seneca County, NY?
The typical home value in Seneca County is $225,973 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Seneca County?
About $74,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Seneca County?
The median effective rate is 2.19% of home value a year (Census ACS 2024 5-year estimates).