Clinton County, NY Average Home Price (2026)
The average home price in Clinton County, New York is about $203,000 (the 2026 median across 23 ZIP codes, at ~$140/sq ft) — 39% more affordable than the New York median and 30% more affordable than the typical U.S. home.
How Clinton County compares
Clinton County is relatively affordable for housing nationally: its typical home costs $203,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $68,000 to $416,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Clinton County | $203,000 | $140 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Clinton County home prices by ZIP code
The 15 most valuable ZIP codes in Clinton County (of 23 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 12911 Keeseville | $416,000 | $219 | +105% |
| 12972 Peru | $282,000 | $177 | +39% |
| 12962 Morrisonville | $266,000 | $161 | +31% |
| 12921 Chazy | $255,000 | $164 | +26% |
| 12901 Plattsburgh | $254,000 | $176 | +25% |
| 12903 Plattsburgh | $247,000 | $155 | +22% |
| 12992 West Chazy | $229,000 | $156 | +13% |
| 12979 Rouses Point | $222,000 | $118 | +9% |
| 12918 Cadyville | $217,000 | $140 | +7% |
| 12912 Au Sable Forks | $212,000 | $166 | +4% |
| 12955 Merrill | $211,000 | $169 | +4% |
| 12919 Champlain | $203,000 | $148 | +0% |
| 12935 Ellenburg Depot | $203,000 | $136 | +0% |
| 12981 Saranac | $197,000 | $119 | -3% |
| 12958 Mooers | $192,000 | $92 | -5% |
Home value appreciation in Clinton County
Home prices in Clinton County have risen about 68% over the last 10 years (≈5.3% a year) and +76.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.9% — still rising. A home worth $203,000 today was worth roughly $120,977 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 Clinton County
Run the numbers for Clinton County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Clinton County
To buy the typical $203,000 home in Clinton County with 20% down, you need a household income of roughly $55,000 a year (about $1,290 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $66,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,200 | $1,600/mo | $69,000/yr |
| 10% (+PMI) | $20,300 | $1,530/mo | $66,000/yr |
| 20% | $40,600 | $1,290/mo | $55,000/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 Clinton County
At about $140 per square foot, here is roughly how much home different budgets get you in Clinton County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1070 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1430 sq ft | around the typical home here |
| $250k | 1790 sq ft | around the typical home here |
| $300k | 2140 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2860 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 Clinton County
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Clinton 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.