Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$168,287+4.6% YoY · prices are rising fast
Market right nowSeller's marketMore homes for sale than last year, 11% have cut their price
Income needed to buy, per year$36,481About 0.6× the local median income ($61,376): affordable for a typical household
Days on market65 daysAbout the same pace as a year ago
The typical home in Cattaraugus County, NY is worth $168,287, up 4.6% from a year ago. That is well above what local incomes have historically supported: fair value is about $148,310, so the area is 13.5% overvalued. It is a seller's market: homes take about 65 days to sell, listings are up 6% from a year ago, 11% of listings have had a price cut. A household needs about $36,481 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $61,376. Typical rent is $1,001 a month. In the latest IRS figures, 245 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$168,287
Change in 1 year
+4.6%
Overvalued %
+13.5%
Show 6 more
Fair home value
$148,310
Change in 5 years
+33.6%
Home value to income
2.7×
Monthly mortgage payment (20% down)
$912
Income needed to afford it
$36,481
Property tax rate
2.65%
Rent and investing
Typical rent
$1,001
Price-to-rent ratio
14.0×
HUD Fair Market Rent, 2 bedrooms
$1,014
Show 2 more
Gross rental yield
7.13%
Cap rate (estimate)
4.64%
Market activity
Listings vs a year ago
+6.0%
Days on market
65
Listings with a price cut
11.1%
Show 3 more
Homes for sale
246
Pending sales per 100 listings
65
Asking price per sq ft
$139
People and jobs
Median household income
$61,376
Population change (1 year)
−0.1%
Unemployment rate
5.0%
Show 4 more
Population
75,390
Income adjusted for cost of living
$67,004
Net moves in (IRS)
−245
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
5.7
FEMA hazard risk score (0 to 100)
81.6
Flood risk score
89.9
Show 3 more
Wildfire risk score
35.1
Walkability (1 to 20)
6.1
Road, rail and air noise
54 dB
Questions people ask
Is Cattaraugus County, NY overvalued?
Home prices in Cattaraugus County, NY are well above what local incomes have historically supported: fair value is about $148,310, so the area is 13.5% overvalued.
Is Cattaraugus County, NY a buyer's or seller's market?
Cattaraugus County, NY is a seller's market: homes take about 65 days to sell, listings are up 6% from a year ago, 11% of listings have had a price cut.
Are home prices going down in Cattaraugus County, NY?
Home values in Cattaraugus County, NY are up 4.6% over the last year.
How much do you need to earn to buy a home in Cattaraugus County, NY?
A household needs about $36,481 a year to afford the typical home in Cattaraugus County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $61,376.