Ontario County, NY Average Home Price (2026)
The average home price in Ontario County, New York is about $274,000 (the 2026 median across 16 ZIP codes, at ~$171/sq ft) — 18% more affordable than the New York median and 5% more affordable than the typical U.S. home.
How Ontario County compares
Ontario County is about average for housing nationally: its typical home costs $274,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $197,000 to $500,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Ontario County | $274,000 | $171 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Ontario County home prices by ZIP code
The 15 most valuable ZIP codes in Ontario County (of 16 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 14564 Victor | $500,000 | $267 | +82% |
| 14475 Ionia | $492,000 | $259 | +80% |
| 14424 Canandaigua | $374,000 | $290 | +36% |
| 14471 Honeoye | $335,000 | $373 | +22% |
| 14425 Farmington | $328,000 | $238 | +20% |
| 14469 Bloomfield | $325,000 | $150 | +19% |
| 14466 Hemlock | $293,000 | $163 | +7% |
| 14512 Naples | $286,000 | $184 | +4% |
| 14561 Stanley | $262,000 | $176 | -4% |
| 14548 Shortsville | $253,000 | $215 | -8% |
| 14432 Clifton Springs | $250,000 | $151 | -9% |
| 14532 Phelps | $241,000 | $146 | -12% |
| 14456 Geneva | $226,000 | $166 | -18% |
| 14560 Springwater | $218,000 | $64 | -20% |
| 14504 Manchester | $199,000 | $124 | -27% |
Home value appreciation in Ontario County
Home prices in Ontario County have risen about 90% over the last 10 years (≈6.6% a year) and +113.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.3% — still rising. A home worth $274,000 today was worth roughly $144,135 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 Ontario County
Run the numbers for Ontario County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Ontario County
To buy the typical $274,000 home in Ontario County with 20% down, you need a household income of roughly $75,000 a year (about $1,740 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $89,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,700 | $2,160/mo | $93,000/yr |
| 10% (+PMI) | $27,400 | $2,070/mo | $89,000/yr |
| 20% | $54,800 | $1,740/mo | $75,000/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 Ontario County
At about $171 per square foot, here is roughly how much home different budgets get you in Ontario County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 880 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1460 sq ft | around the typical home here |
| $300k | 1750 sq ft | around the typical home here |
| $400k | 2340 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 Ontario County
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Ontario 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.