Putnam County, NY Average Home Price (2026)
The average home price in Putnam County, New York is about $583,500 (the 2026 median across 8 ZIP codes, at ~$325/sq ft) — 75% more expensive than the New York median and 102% more expensive than the typical U.S. home.
How Putnam County compares
Putnam County is relatively expensive for housing nationally: its typical home costs $583,500 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $427,000 to $779,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Putnam County | $583,500 | $325 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Putnam County home prices by ZIP code
The 8 most valuable ZIP codes in Putnam County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 10524 Garrison | $779,000 | $427 | +34% |
| 10516 Cold Spring | $743,000 | $387 | +27% |
| 10541 Mahopac | $633,000 | $346 | +8% |
| 10579 Putnam Valley | $630,000 | $338 | +8% |
| 10509 Brewster | $537,000 | $311 | -8% |
| 10512 Carmel | $515,000 | $310 | -12% |
| 12563 Patterson | $482,000 | $281 | -17% |
| 10537 Lake Peekskill | $427,000 | $289 | -27% |
Home value appreciation in Putnam County
Home prices in Putnam County have risen about 73% over the last 10 years (≈5.6% a year) and +33.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.7% — still rising. A home worth $583,500 today was worth roughly $337,869 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 Putnam County
Run the numbers for Putnam County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Putnam County
To buy the typical $583,500 home in Putnam County with 20% down, you need a household income of roughly $159,000 a year (about $3,700 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $189,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $29,200 | $4,600/mo | $197,000/yr |
| 10% (+PMI) | $58,400 | $4,400/mo | $189,000/yr |
| 20% | $116,700 | $3,700/mo | $159,000/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 Putnam County
At about $325 per square foot, here is roughly how much home different budgets get you in Putnam County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 920 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1230 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1540 sq ft | around the typical home here |
| $600k | 1850 sq ft | around the typical home here |
| $750k | 2310 sq ft | around the typical home here |
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 Putnam County
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Putnam 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.