Chenango County, NY Average Home Price (2026)
The average home price in Chenango County, New York is about $162,000 (the 2026 median across 13 ZIP codes, at ~$122/sq ft) — 51% more affordable than the New York median and 44% more affordable than the typical U.S. home.
How Chenango County compares
Chenango County is relatively affordable for housing nationally: its typical home costs $162,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $120,000 to $204,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Chenango County | $162,000 | $122 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Chenango County home prices by ZIP code
The 13 most valuable ZIP codes in Chenango County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13778 Greene | $204,000 | $187 | +26% |
| 13460 Sherburne | $190,000 | $122 | +17% |
| 13730 Afton | $176,000 | $132 | +9% |
| 13733 Bainbridge | $175,000 | $138 | +8% |
| 13780 Guilford | $168,000 | $100 | +4% |
| 13832 Plymouth | $163,000 | $26 | +1% |
| 13844 South Plymouth | $162,000 | $125 | +0% |
| 13815 Norwich | $157,000 | $105 | -3% |
| 13801 McDonough | $152,000 | $87 | -6% |
| 13464 Smyrna | $147,000 | $127 | -9% |
| 13830 Oxford | $147,000 | $100 | -9% |
| 13155 South Otselic | $121,000 | $44 | -25% |
| 13136 Pitcher | $120,000 | $214 | -26% |
Home value appreciation in Chenango County
Home prices in Chenango County have risen about 70% over the last 10 years (≈5.4% a year) and +83.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +10.3% — still rising. A home worth $162,000 today was worth roughly $95,463 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 Chenango County
Run the numbers for Chenango County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Chenango County
To buy the typical $162,000 home in Chenango County with 20% down, you need a household income of roughly $44,000 a year (about $1,030 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $52,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,100 | $1,280/mo | $55,000/yr |
| 10% (+PMI) | $16,200 | $1,220/mo | $52,000/yr |
| 20% | $32,400 | $1,030/mo | $44,000/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 Chenango County
At about $122 per square foot, here is roughly how much home different budgets get you in Chenango County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1230 sq ft | around the typical home here |
| $200k | 1640 sq ft | around the typical home here |
| $250k | 2050 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2460 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 Chenango County
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Chenango 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.