Madison County, NY Average Home Price (2026)
The average home price in Madison County, New York is about $245,000 (the 2026 median across 21 ZIP codes, at ~$158/sq ft) — 26% more affordable than the New York median and 15% more affordable than the typical U.S. home.
How Madison County compares
Madison County is about average for housing nationally: its typical home costs $245,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $155,000 to $417,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Madison County | $245,000 | $158 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Madison County home prices by ZIP code
The 15 most valuable ZIP codes in Madison County (of 21 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13035 Cazenovia | $417,000 | $201 | +70% |
| 13346 Hamilton | $328,000 | $187 | +34% |
| 13061 Erieville | $306,000 | $141 | +25% |
| 13364 Leonardsville | $285,000 | $150 | +16% |
| 13037 Chittenango | $280,000 | $250 | +14% |
| 13122 New Woodstock | $276,000 | $182 | +13% |
| 13082 Kirkville | $274,000 | $158 | +12% |
| 13030 Bridgeport | $272,000 | $235 | +11% |
| 13052 De Ruyter | $257,000 | $369 | +5% |
| 13355 Hubbardsville | $252,000 | $302 | +3% |
| 13334 Eaton | $245,000 | $54 | +0% |
| 13408 Morrisville | $244,000 | $84 | +0% |
| 13032 Canastota | $233,000 | $160 | -5% |
| 13402 Madison | $221,000 | $256 | -10% |
| 13421 Oneida | $217,000 | $140 | -11% |
Home value appreciation in Madison County
Home prices in Madison County have risen about 86% over the last 10 years (≈6.4% a year) and +104.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +8.3% — still rising. A home worth $245,000 today was worth roughly $131,508 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 Madison County
Run the numbers for Madison County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Madison County
To buy the typical $245,000 home in Madison County with 20% down, you need a household income of roughly $67,000 a year (about $1,560 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $79,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,300 | $1,930/mo | $83,000/yr |
| 10% (+PMI) | $24,500 | $1,850/mo | $79,000/yr |
| 20% | $49,000 | $1,560/mo | $67,000/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 Madison County
At about $158 per square foot, here is roughly how much home different budgets get you in Madison County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 950 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1270 sq ft | around the typical home here |
| $250k | 1580 sq ft | around the typical home here |
| $300k | 1900 sq ft | around the typical home here |
| $400k | 2530 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 Madison County
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Madison 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.