Hamilton County, NY Average Home Price (2026)
The average home price in Hamilton County, New York is about $324,000 (the 2026 median across 11 ZIP codes, at ~$255/sq ft) — 3% more affordable than the New York median and 12% more expensive than the typical U.S. home.
How Hamilton County compares
Hamilton County is about average for housing nationally: its typical home costs $324,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $230,000 to $394,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hamilton County | $324,000 | $255 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Hamilton County home prices by ZIP code
The 11 most valuable ZIP codes in Hamilton County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13360 Inlet | $394,000 | $758 | +22% |
| 13436 Raquette Lake | $389,000 | $433 | +20% |
| 12139 Piseco | $382,000 | $665 | +18% |
| 12847 Long Lake | $329,000 | $308 | +2% |
| 12812 Blue Mountain Lake | $328,000 | $173 | +1% |
| 12134 Northville | $324,000 | $255 | +0% |
| 12164 Speculator | $283,000 | $225 | -13% |
| 12032 Caroga Lake | $267,000 | $237 | -18% |
| 13353 Hoffmeister | $238,000 | $125 | -27% |
| 12842 Indian Lake | $235,000 | $258 | -27% |
| 12190 Wells | $230,000 | $205 | -29% |
Home value appreciation in Hamilton County
Home prices in Hamilton County have risen about 52% over the last 10 years (≈4.3% a year), according to the FHFA house price index through 2025. The most recent year came in at —. A home worth $324,000 today was worth roughly $212,738 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 Hamilton County
Run the numbers for Hamilton County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hamilton County
To buy the typical $324,000 home in Hamilton County with 20% down, you need a household income of roughly $88,000 a year (about $2,060 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $105,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,200 | $2,560/mo | $110,000/yr |
| 10% (+PMI) | $32,400 | $2,440/mo | $105,000/yr |
| 20% | $64,800 | $2,060/mo | $88,000/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 Hamilton County
At about $255 per square foot, here is roughly how much home different budgets get you in Hamilton County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 590 sq ft | below the local median — condos, smaller or older homes |
| $200k | 780 sq ft | below the local median — condos, smaller or older homes |
| $250k | 980 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1180 sq ft | around the typical home here |
| $400k | 1570 sq ft | around the typical home here |
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 Hamilton County
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Hamilton 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.