Herkimer County, NY Average Home Price (2026)
The average home price in Herkimer County, New York is about $222,000 (the 2026 median across 16 ZIP codes, at ~$149/sq ft) — 33% more affordable than the New York median and 23% more affordable than the typical U.S. home.
How Herkimer County compares
Herkimer County is about average for housing nationally: its typical home costs $222,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $157,000 to $531,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Herkimer County | $222,000 | $149 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Herkimer County home prices by ZIP code
The 15 most valuable ZIP codes in Herkimer County (of 16 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13420 Old Forge | $531,000 | $417 | +139% |
| 13472 Thendara | $442,000 | $359 | +99% |
| 13331 Eagle Bay | $429,000 | $640 | +93% |
| 13431 Poland | $259,000 | $125 | +17% |
| 13322 Clayville | $241,000 | $111 | +9% |
| 13338 Forestport | $225,000 | $231 | +1% |
| 13416 Newport | $225,000 | $168 | +1% |
| 13361 Jordanville | $224,000 | $78 | +1% |
| 13340 Frankfort | $220,000 | $141 | -1% |
| 13324 Cold Brook | $182,000 | $224 | -18% |
| 13454 Salisbury Center | $182,000 | $148 | -18% |
| 13406 Middleville | $180,000 | $271 | -19% |
| 13407 Mohawk | $176,000 | $149 | -21% |
| 13365 Little Falls | $173,000 | $104 | -22% |
| 13350 Herkimer | $163,000 | $113 | -27% |
Home value appreciation in Herkimer County
Home prices in Herkimer County have risen about 84% over the last 10 years (≈6.3% a year) and +102.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.0% — still rising. A home worth $222,000 today was worth roughly $120,718 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 Herkimer County
Run the numbers for Herkimer County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Herkimer County
To buy the typical $222,000 home in Herkimer County with 20% down, you need a household income of roughly $60,000 a year (about $1,410 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $72,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,100 | $1,750/mo | $75,000/yr |
| 10% (+PMI) | $22,200 | $1,670/mo | $72,000/yr |
| 20% | $44,400 | $1,410/mo | $60,000/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 Herkimer County
At about $149 per square foot, here is roughly how much home different budgets get you in Herkimer County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1010 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1340 sq ft | around the typical home here |
| $250k | 1680 sq ft | around the typical home here |
| $300k | 2010 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2680 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 Herkimer County
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Herkimer 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.