Plattsburgh, NY home prices
Typical home $230,427 · +6.0% in a year · income needed $74,500
The Plattsburgh, NY metro area ranks 518 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +6.0% in a year and +31.8% over five years. With 20% down at 7.11%, the typical home costs about $1,739 a month including 2% property tax (Clinton County rate).
Mortgage on the typical Plattsburgh home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,085 | $184,342 | $1,240 | $0 | $499 | $1,739 | $74,500 |
| 10% down | $23,043 | $207,385 | $1,395 | $86 | $499 | $1,980 | $84,900 |
| 5% down | $11,521 | $218,906 | $1,473 | $91 | $499 | $2,062 | $88,400 |
| 3.5% down (FHA) | $8,065 | $226,254 | $1,522 | $102 | $499 | $2,123 | $91,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2% 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 Plattsburgh area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clinton County, NY | $230,451 | +6.0% | 2% |
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Frequently asked questions
How much is a house in Plattsburgh?
The typical home in the Plattsburgh, NY metro area is worth $230,427 (Zillow, September 2026).
What salary do you need to buy a house in Plattsburgh?
About $74,500 a year for the typical home with 20% down at 7.11%.