Jamestown, NY home prices
Typical home $180,656 · +4.8% in a year · income needed $60,200
The Jamestown, NY metro area ranks 715 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.8% in a year and +37.5% over five years. With 20% down at 7.11%, the typical home costs about $1,404 a month including 2.27% property tax (Chautauqua County rate).
Mortgage on the typical Jamestown home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,131 | $144,524 | $972 | $0 | $432 | $1,404 | $60,200 |
| 10% down | $18,066 | $162,590 | $1,094 | $68 | $432 | $1,593 | $68,300 |
| 5% down | $9,033 | $171,623 | $1,155 | $72 | $432 | $1,658 | $71,000 |
| 3.5% down (FHA) | $6,323 | $177,383 | $1,193 | $80 | $432 | $1,705 | $73,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.27% 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 Jamestown area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Chautauqua County, NY | $180,657 | +4.8% | 2.27% |
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 Jamestown?
The typical home in the Jamestown, NY metro area is worth $180,656 (Zillow, September 2026).
What salary do you need to buy a house in Jamestown?
About $60,200 a year for the typical home with 20% down at 7.11%.