Montgomery County, NY Average Home Price (2026)
The average home price in Montgomery County, New York is about $229,000 (the 2026 median across 11 ZIP codes, at ~$128/sq ft) — 31% more affordable than the New York median and 21% more affordable than the typical U.S. home.
How Montgomery County compares
Montgomery County is about average for housing nationally: its typical home costs $229,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $149,000 to $289,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Montgomery County | $229,000 | $128 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Montgomery County home prices by ZIP code
The 11 most valuable ZIP codes in Montgomery County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 12066 Esperance | $289,000 | $211 | +26% |
| 12072 Fultonville | $250,000 | $243 | +9% |
| 12010 Amsterdam | $246,000 | $149 | +7% |
| 12070 Fort Johnson | $231,000 | $134 | +1% |
| 12068 Fonda | $229,000 | $120 | +0% |
| 12166 Sprakers | $229,000 | $122 | +0% |
| 12177 Tribes Hill | $212,000 | $112 | -7% |
| 13428 Palatine Bridge | $204,000 | $200 | -11% |
| 13317 Canajoharie | $186,000 | $115 | -19% |
| 13339 Fort Plain | $179,000 | $128 | -22% |
| 13410 Nelliston | $149,000 | $89 | -35% |
Home value appreciation in Montgomery County
Home prices in Montgomery County have risen about 98% over the last 10 years (≈7.1% a year) and +121.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +14.4% — still rising. A home worth $229,000 today was worth roughly $115,715 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 Montgomery County
Run the numbers for Montgomery County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Montgomery County
To buy the typical $229,000 home in Montgomery County with 20% down, you need a household income of roughly $62,000 a year (about $1,450 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $74,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,500 | $1,810/mo | $77,000/yr |
| 10% (+PMI) | $22,900 | $1,730/mo | $74,000/yr |
| 20% | $45,800 | $1,450/mo | $62,000/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 Montgomery County
At about $128 per square foot, here is roughly how much home different budgets get you in Montgomery County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1560 sq ft | around the typical home here |
| $250k | 1950 sq ft | around the typical home here |
| $300k | 2340 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3130 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 Montgomery County
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Montgomery 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.