Delaware County, NY Average Home Price (2026)
The average home price in Delaware County, New York is about $266,000 (the 2026 median across 31 ZIP codes, at ~$205/sq ft) — 20% more affordable than the New York median and 8% more affordable than the typical U.S. home.
How Delaware County compares
Delaware County is about average for housing nationally: its typical home costs $266,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $139,000 to $712,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Delaware County | $266,000 | $205 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Delaware County home prices by ZIP code
The 15 most valuable ZIP codes in Delaware County (of 31 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 12438 Halcottsville | $712,000 | $375 | +168% |
| 12459 New Kingston | $522,000 | $275 | +96% |
| 13740 Bovina Center | $407,000 | $239 | +53% |
| 13731 Andes | $382,000 | $292 | +44% |
| 12421 Denver | $357,000 | $188 | +34% |
| 12455 Margaretville | $346,000 | $267 | +30% |
| 12474 Roxbury | $318,000 | $205 | +20% |
| 13752 Delancey | $296,000 | $260 | +11% |
| 13806 Meridale | $293,000 | $154 | +10% |
| 12760 Long Eddy | $291,000 | $337 | +9% |
| 12776 Roscoe | $291,000 | $240 | +9% |
| 13757 East Meredith | $288,000 | $329 | +8% |
| 13842 South Kortright | $286,000 | $504 | +8% |
| 13753 Delhi | $285,000 | $210 | +7% |
| 12434 Grand Gorge | $279,000 | $147 | +5% |
Home value appreciation in Delaware County
Home prices in Delaware County have risen about 89% over the last 10 years (≈6.5% a year) and +74.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.3% — still rising. A home worth $266,000 today was worth roughly $141,114 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 Delaware County
Run the numbers for Delaware County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Delaware County
To buy the typical $266,000 home in Delaware County with 20% down, you need a household income of roughly $72,000 a year (about $1,690 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $86,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,300 | $2,100/mo | $90,000/yr |
| 10% (+PMI) | $26,600 | $2,010/mo | $86,000/yr |
| 20% | $53,200 | $1,690/mo | $72,000/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 Delaware County
At about $205 per square foot, here is roughly how much home different budgets get you in Delaware County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 730 sq ft | below the local median — condos, smaller or older homes |
| $200k | 980 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1220 sq ft | around the typical home here |
| $300k | 1460 sq ft | around the typical home here |
| $400k | 1950 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 Delaware County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Delaware 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.