Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$489,917+5.6% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$106,204About 1.3× the local median income ($80,397): a stretch for a typical household
Days on market77 daysAbout the same pace as a year ago
The typical home in Columbia County, NY is worth $489,917, up 5.6% from a year ago. That is well above what local incomes have historically supported: fair value is about $391,176, so the area is 25.2% overvalued. It is a balanced market, leaning toward sellers: homes take about 77 days to sell, listings are up 4% from a year ago, 16% of listings have had a price cut. A household needs about $106,204 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 $80,397. Typical rent is $2,210 a month. In the latest IRS figures, 248 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
$489,917
Change in 1 year
+5.6%
Overvalued %
+25.2%
Show 6 more
Fair home value
$391,176
Change in 5 years
+34.0%
Home value to income
6.1×
Monthly mortgage payment (20% down)
$2,655
Income needed to afford it
$106,204
Property tax rate
1.40%
Rent and investing
Typical rent
$2,210
Price-to-rent ratio
18.5×
HUD Fair Market Rent, 2 bedrooms
$1,503
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Gross rental yield
5.41%
Cap rate (estimate)
3.52%
Market activity
Listings vs a year ago
+4.1%
Days on market
77
Listings with a price cut
15.7%
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Homes for sale
380
Pending sales per 100 listings
38
Asking price per sq ft
$336
People and jobs
Median household income
$80,397
Population change (1 year)
−0.4%
Unemployment rate
5.4%
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Population
60,168
Income adjusted for cost of living
$87,770
Net moves in (IRS)
−248
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
4.9
FEMA hazard risk score (0 to 100)
68.7
Flood risk score
79.9
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Wildfire risk score
38.7
Walkability (1 to 20)
6.1
Road, rail and air noise
53 dB
Questions people ask
Is Columbia County, NY overvalued?
Home prices in Columbia County, NY are well above what local incomes have historically supported: fair value is about $391,176, so the area is 25.2% overvalued.
Is Columbia County, NY a buyer's or seller's market?
Columbia County, NY is a balanced market, leaning toward sellers: homes take about 77 days to sell, listings are up 4% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Columbia County, NY?
Home values in Columbia County, NY are up 5.6% over the last year.
How much do you need to earn to buy a home in Columbia County, NY?
A household needs about $106,204 a year to afford the typical home in Columbia County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $80,397.