Cayuga County, NY Average Home Price (2026)
The average home price in Cayuga County, New York is about $237,000 (the 2026 median across 13 ZIP codes, at ~$156/sq ft) — 29% more affordable than the New York median and 18% more affordable than the typical U.S. home.
How Cayuga County compares
Cayuga County is about average for housing nationally: its typical home costs $237,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $197,000 to $341,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cayuga County | $237,000 | $156 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Cayuga County home prices by ZIP code
The 13 most valuable ZIP codes in Cayuga County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13026 Aurora | $341,000 | $245 | +44% |
| 13081 King Ferry | $335,000 | $261 | +41% |
| 13034 Cayuga | $307,000 | $248 | +30% |
| 13118 Moravia | $262,000 | $161 | +11% |
| 13160 Union Springs | $251,000 | $137 | +6% |
| 13147 Scipio Center | $238,000 | $222 | +0% |
| 13092 Locke | $237,000 | $131 | +0% |
| 13166 Weedsport | $237,000 | $151 | +0% |
| 13156 Sterling | $231,000 | $182 | -3% |
| 13021 Auburn | $226,000 | $156 | -5% |
| 13033 Cato | $225,000 | $103 | -5% |
| 13071 Genoa | $225,000 | $118 | -5% |
| 13140 Port Byron | $197,000 | $123 | -17% |
Home value appreciation in Cayuga County
Home prices in Cayuga County have risen about 78% over the last 10 years (≈5.9% a year) and +103.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.0% — still rising. A home worth $237,000 today was worth roughly $133,071 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 Cayuga County
Run the numbers for Cayuga County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cayuga County
To buy the typical $237,000 home in Cayuga County with 20% down, you need a household income of roughly $64,000 a year (about $1,500 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $77,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,900 | $1,870/mo | $80,000/yr |
| 10% (+PMI) | $23,700 | $1,790/mo | $77,000/yr |
| 20% | $47,400 | $1,500/mo | $64,000/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 Cayuga County
At about $156 per square foot, here is roughly how much home different budgets get you in Cayuga County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 960 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1280 sq ft | around the typical home here |
| $250k | 1600 sq ft | around the typical home here |
| $300k | 1920 sq ft | around the typical home here |
| $400k | 2560 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 Cayuga County
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Cayuga County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.