Steuben County, NY Average Home Price (2026)
The average home price in Steuben County, New York is about $164,000 (the 2026 median across 24 ZIP codes, at ~$110/sq ft) — 51% more affordable than the New York median and 43% more affordable than the typical U.S. home.
How Steuben County compares
Steuben County is relatively affordable for housing nationally: its typical home costs $164,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $121,000 to $351,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Steuben County | $164,000 | $110 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Steuben County home prices by ZIP code
The 15 most valuable ZIP codes in Steuben County (of 24 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 14840 Hammondsport | $351,000 | $310 | +114% |
| 14874 Pulteney | $309,000 | $163 | +88% |
| 14870 Painted Post | $212,000 | $125 | +29% |
| 14858 Lindley | $204,000 | $168 | +24% |
| 14821 Campbell | $187,000 | $112 | +14% |
| 14830 Corning | $183,000 | $120 | +12% |
| 14885 Troupsburg | $181,000 | $100 | +10% |
| 14898 Woodhull | $180,000 | $118 | +10% |
| 14807 Arkport | $179,000 | $60 | +9% |
| 14810 Bath | $166,000 | $103 | +1% |
| 14820 Cameron Mills | $166,000 | $88 | +1% |
| 14572 Wayland | $164,000 | $239 | +0% |
| 14879 Savona | $164,000 | $54 | +0% |
| 14873 Prattsburgh | $161,000 | $263 | -2% |
| 14877 Rexville | $158,000 | $107 | -4% |
Home value appreciation in Steuben County
Home prices in Steuben County have risen about 63% over the last 10 years (≈5.0% a year) and +92.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.1% — still rising. A home worth $164,000 today was worth roughly $100,490 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 Steuben County
Run the numbers for Steuben County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Steuben County
To buy the typical $164,000 home in Steuben County with 20% down, you need a household income of roughly $45,000 a year (about $1,040 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $53,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,200 | $1,290/mo | $55,000/yr |
| 10% (+PMI) | $16,400 | $1,240/mo | $53,000/yr |
| 20% | $32,800 | $1,040/mo | $45,000/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 Steuben County
At about $110 per square foot, here is roughly how much home different budgets get you in Steuben County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1360 sq ft | around the typical home here |
| $200k | 1820 sq ft | around the typical home here |
| $250k | 2270 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2730 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 Steuben County
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Steuben 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.