Chautauqua County, NY Average Home Price (2026)
The average home price in Chautauqua County, New York is about $189,000 (the 2026 median across 31 ZIP codes, at ~$163/sq ft) — 43% more affordable than the New York median and 35% more affordable than the typical U.S. home.
How Chautauqua County compares
Chautauqua County is relatively affordable for housing nationally: its typical home costs $189,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $70,000 to $621,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Chautauqua County | $189,000 | $163 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Chautauqua County home prices by ZIP code
The 15 most valuable ZIP codes in Chautauqua County (of 31 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 14722 Chautauqua | $621,000 | $235 | +229% |
| 14785 Stow | $420,000 | $221 | +122% |
| 14712 Bemus Point | $347,000 | $236 | +84% |
| 14736 Findley Lake | $335,000 | $183 | +77% |
| 14728 Dewittville | $273,000 | $214 | +44% |
| 14757 Mayville | $259,000 | $215 | +37% |
| 14135 Sheridan | $255,000 | $134 | +35% |
| 14710 Ashville | $249,000 | $229 | +32% |
| 14724 Clymer | $241,000 | $146 | +28% |
| 14750 Lakewood | $241,000 | $163 | +28% |
| 14742 Greenhurst | $236,000 | $239 | +25% |
| 14063 Fredonia | $217,000 | $148 | +15% |
| 14062 Forestville | $206,000 | $250 | +9% |
| 14136 Silver Creek | $199,000 | $126 | +5% |
| 14767 Panama | $192,000 | $179 | +2% |
Home value appreciation in Chautauqua County
Home prices in Chautauqua County have risen about 87% over the last 10 years (≈6.5% a year) and +96.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.9% — still rising. A home worth $189,000 today was worth roughly $100,908 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 Chautauqua County
Run the numbers for Chautauqua County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Chautauqua County
To buy the typical $189,000 home in Chautauqua County with 20% down, you need a household income of roughly $51,000 a year (about $1,200 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $61,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,500 | $1,490/mo | $64,000/yr |
| 10% (+PMI) | $18,900 | $1,430/mo | $61,000/yr |
| 20% | $37,800 | $1,200/mo | $51,000/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 Chautauqua County
At about $163 per square foot, here is roughly how much home different budgets get you in Chautauqua County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 920 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1230 sq ft | around the typical home here |
| $250k | 1530 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 1840 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2450 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 Chautauqua County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Chautauqua County home prices: frequently asked
What is the average home price in Chautauqua County, NY? +
What salary do you need to buy a house in Chautauqua County? +
Which part of Chautauqua County is most expensive? +
Are home values in Chautauqua County going up? +
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.