Jefferson County, NY Average Home Price (2026)
The average home price in Jefferson County, New York is about $241,000 (the 2026 median across 30 ZIP codes, at ~$186/sq ft) — 28% more affordable than the New York median and 17% more affordable than the typical U.S. home.
How Jefferson County compares
Jefferson County is about average for housing nationally: its typical home costs $241,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $167,000 to $1,100,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Jefferson County | $241,000 | $186 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Jefferson County home prices by ZIP code
The 15 most valuable ZIP codes in Jefferson County (of 30 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13651 Henderson Harbor | $1,100,000 | $579 | +356% |
| 13692 Thousand Island Park | $754,000 | $397 | +213% |
| 13636 Ellisburg | $522,000 | $275 | +117% |
| 13640 Alexandria Bay | $491,000 | $444 | +104% |
| 13624 Clayton | $330,000 | $405 | +37% |
| 13685 Sackets Harbor | $299,000 | $238 | +24% |
| 13607 Alexandria Bay | $286,000 | $343 | +19% |
| 13628 Deferiet | $281,000 | $148 | +17% |
| 13650 Henderson | $276,000 | $140 | +15% |
| 13693 Three Mile Bay | $274,000 | $292 | +14% |
| 13637 Evans Mills | $267,000 | $148 | +11% |
| 13622 Chaumont | $266,000 | $216 | +10% |
| 13618 Cape Vincent | $255,000 | $241 | +6% |
| 13612 Black River | $250,000 | $146 | +4% |
| 13634 Dexter | $244,000 | $202 | +1% |
Home value appreciation in Jefferson County
Home prices in Jefferson County have risen about 42% over the last 10 years (≈3.6% a year) and +85.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $241,000 today was worth roughly $169,718 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 Jefferson County
Run the numbers for Jefferson County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Jefferson County
To buy the typical $241,000 home in Jefferson County with 20% down, you need a household income of roughly $66,000 a year (about $1,530 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $78,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,100 | $1,900/mo | $81,000/yr |
| 10% (+PMI) | $24,100 | $1,820/mo | $78,000/yr |
| 20% | $48,200 | $1,530/mo | $66,000/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 Jefferson County
At about $186 per square foot, here is roughly how much home different budgets get you in Jefferson County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 810 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1080 sq ft | around the typical home here |
| $250k | 1340 sq ft | around the typical home here |
| $300k | 1610 sq ft | around the typical home here |
| $400k | 2150 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 Jefferson County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Jefferson County home prices: frequently asked
What is the average home price in Jefferson County, NY? +
What salary do you need to buy a house in Jefferson County? +
Which part of Jefferson County is most expensive? +
Are home values in Jefferson County going up? +
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.