Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$228,431+7.4% 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$49,519About 0.7× the local median income ($66,757): affordable for a typical household
Days on market57 daysFaster than a year ago: sellers have the edge
The typical home in Fulton County, NY is worth $228,431, up 7.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $200,618, so the area is 13.9% overvalued. It is a balanced market, leaning toward sellers: homes take about 57 days to sell, listings are up 16% from a year ago, 16% of listings have had a price cut. A household needs about $49,519 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 $66,757. Typical rent is $1,150 a month. In the latest IRS figures, 212 more people moved in than out.
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
$228,431
Change in 1 year
+7.4%
Overvalued %
+13.9%
Show 6 more
Fair home value
$200,618
Change in 5 years
+31.0%
Home value to income
3.4×
Monthly mortgage payment (20% down)
$1,238
Income needed to afford it
$49,519
Property tax rate
2.06%
Rent and investing
Typical rent
$1,150
Price-to-rent ratio
16.6×
HUD Fair Market Rent, 2 bedrooms
$1,051
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Gross rental yield
6.04%
Cap rate (estimate)
3.93%
Market activity
Listings vs a year ago
+16.0%
Days on market
57
Listings with a price cut
16.4%
Show 3 more
Homes for sale
181
Pending sales per 100 listings
70
Asking price per sq ft
$159
People and jobs
Median household income
$66,757
Population change (1 year)
+0.1%
Unemployment rate
3.5%
Show 4 more
Population
52,216
Income adjusted for cost of living
$72,879
Net moves in (IRS)
+212
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
4.5
FEMA hazard risk score (0 to 100)
48.6
Flood risk score
66.4
Show 3 more
Wildfire risk score
27.4
Walkability (1 to 20)
6.6
Road, rail and air noise
52 dB
Questions people ask
Is Fulton County, NY overvalued?
Home prices in Fulton County, NY are well above what local incomes have historically supported: fair value is about $200,618, so the area is 13.9% overvalued.
Is Fulton County, NY a buyer's or seller's market?
Fulton County, NY is a balanced market, leaning toward sellers: homes take about 57 days to sell, listings are up 16% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Fulton County, NY?
Home values in Fulton County, NY are up 7.4% over the last year.
How much do you need to earn to buy a home in Fulton County, NY?
A household needs about $49,519 a year to afford the typical home in Fulton County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,757.