Yates County, New York home prices
Typical home $325,604 · +5.1% in a year · property tax 1.88%
The typical home in Yates County is worth $325,604, 38% less than the New York typical home ($524,942). Values changed +5.1% in the past year and +33.3% over five years. Homeowners here pay a median 1.88% of their home's value in property tax each year ($6,130 on the typical home), versus 1.42% statewide.
Mortgage on the typical Yates County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $65,121 | $260,484 | $1,752 | $0 | $674 | $2,426 | $104,000 |
| 10% down | $32,560 | $293,044 | $1,971 | $122 | $674 | $2,767 | $118,600 |
| 5% down | $16,280 | $309,324 | $2,081 | $129 | $674 | $2,883 | $123,600 |
| 3.5% down (FHA) | $11,396 | $319,707 | $2,151 | $144 | $674 | $2,968 | $127,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.88% 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 |
|---|---|---|---|
| Sullivan County | $323,717 | +4.8% | 2% |
| Ontario County | $323,653 | +5.8% | 2.05% |
| Rensselaer County | $327,950 | +5.8% | 2.05% |
| Schenectady County | $312,933 | +5.2% | 2.36% |
| Tompkins County | $350,432 | +3.5% | 2.24% |
| Erie County | $295,625 | +3.4% | 1.98% |
| Essex County | $292,915 | +6.8% | 1.47% |
| Onondaga County | $285,908 | +6.5% | 2.44% |
| Monroe County | $285,680 | +4.7% | 2.63% |
| Greene County | $368,122 | +3.7% | 1.49% |
Frequently asked questions
What is the average home price in Yates County, NY?
The typical home value in Yates County is $325,604 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Yates County?
About $104,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Yates County?
The median effective rate is 1.88% of home value a year (Census ACS 2024 5-year estimates).