Seneca Falls, NY home prices
Typical home $226,001 · +5.9% in a year · income needed $74,600
The Seneca Falls, NY metro area ranks 541 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.9% in a year and +33.5% over five years. With 20% down at 7.11%, the typical home costs about $1,742 a month including 2.19% property tax (Seneca County rate).
Mortgage on the typical Seneca Falls home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,200 | $180,801 | $1,216 | $0 | $525 | $1,742 | $74,600 |
| 10% down | $22,600 | $203,401 | $1,368 | $85 | $525 | $1,978 | $84,800 |
| 5% down | $11,300 | $214,701 | $1,444 | $89 | $525 | $2,059 | $88,300 |
| 3.5% down (FHA) | $7,910 | $221,907 | $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.
Counties in the Seneca Falls area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Seneca County, NY | $225,973 | +5.9% | 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 Seneca Falls?
The typical home in the Seneca Falls, NY metro area is worth $226,001 (Zillow, September 2026).
What salary do you need to buy a house in Seneca Falls?
About $74,600 a year for the typical home with 20% down at 7.11%.