Cattaraugus County, NY Average Home Price (2026)
The average home price in Cattaraugus County, New York is about $175,000 (the 2026 median across 22 ZIP codes, at ~$116/sq ft) — 47% more affordable than the New York median and 39% more affordable than the typical U.S. home.
How Cattaraugus County compares
Cattaraugus County is relatively affordable for housing nationally: its typical home costs $175,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $112,000 to $392,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cattaraugus County | $175,000 | $116 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Cattaraugus County home prices by ZIP code
The 15 most valuable ZIP codes in Cattaraugus County (of 22 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 14731 Ellicottville | $392,000 | $261 | +124% |
| 14741 Great Valley | $238,000 | $204 | +36% |
| 14729 East Otto | $232,000 | $198 | +33% |
| 14171 West Valley | $230,000 | $137 | +31% |
| 14101 Machias | $212,000 | $100 | +21% |
| 14706 Allegany | $206,000 | $129 | +18% |
| 14042 Delevan | $203,000 | $124 | +16% |
| 14065 Freedom | $202,000 | $253 | +15% |
| 14129 Perrysburg | $193,000 | $71 | +10% |
| 14173 Yorkshire | $191,000 | $100 | +9% |
| 14755 Little Valley | $179,000 | $131 | +2% |
| 14719 Cattaraugus | $171,000 | $64 | -2% |
| 14772 Randolph | $166,000 | $108 | -5% |
| 14070 Gowanda | $165,000 | $142 | -6% |
| 14737 Franklinville | $162,000 | $143 | -7% |
Home value appreciation in Cattaraugus County
Home prices in Cattaraugus County have risen about 95% over the last 10 years (≈6.9% a year) and +104.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +8.4% — still rising. A home worth $175,000 today was worth roughly $89,974 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Cattaraugus County
Run the numbers for Cattaraugus County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cattaraugus County
To buy the typical $175,000 home in Cattaraugus County with 20% down, you need a household income of roughly $48,000 a year (about $1,110 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $57,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,800 | $1,380/mo | $59,000/yr |
| 10% (+PMI) | $17,500 | $1,320/mo | $57,000/yr |
| 20% | $35,000 | $1,110/mo | $48,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Cattaraugus County
At about $116 per square foot, here is roughly how much home different budgets get you in Cattaraugus County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1290 sq ft | around the typical home here |
| $200k | 1720 sq ft | around the typical home here |
| $250k | 2160 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2590 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3450 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Cattaraugus County
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Cattaraugus County home prices: frequently asked
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Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.