Auburn, NY home prices
Typical home $235,020 · +5.7% in a year · income needed $77,600
The Auburn, NY metro area ranks 505 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.7% in a year and +33.4% over five years. With 20% down at 7.11%, the typical home costs about $1,811 a month including 2.19% property tax (Cayuga County rate).
Mortgage on the typical Auburn home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $47,004 | $188,016 | $1,265 | $0 | $546 | $1,811 | $77,600 |
| 10% down | $23,502 | $211,518 | $1,423 | $88 | $546 | $2,057 | $88,200 |
| 5% down | $11,751 | $223,269 | $1,502 | $93 | $546 | $2,141 | $91,700 |
| 3.5% down (FHA) | $8,226 | $230,763 | $1,552 | $104 | $546 | $2,202 | $94,400 |
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.
Counties in the Auburn area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cayuga County, NY | $235,019 | +5.7% | 2.19% |
What can you afford in New York on your salary? · New York home prices · Salaries in New York
Frequently asked questions
How much is a house in Auburn?
The typical home in the Auburn, NY metro area is worth $235,020 (Zillow, September 2026).
What salary do you need to buy a house in Auburn?
About $77,600 a year for the typical home with 20% down at 7.11%.