Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$172,442+4.1% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 12% have cut their price
Income needed to buy, per year$37,382About 0.5× the local median income ($68,152): affordable for a typical household
Days on market51 daysFaster than a year ago: sellers have the edge
The typical home in Steuben County, NY is worth $172,442, up 4.1% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $171,072, so the area is 0.8% overvalued. It is a balanced market, leaning toward sellers: homes take about 51 days to sell, listings are up 22% from a year ago, 12% of listings have had a price cut. A household needs about $37,382 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 $68,152. Typical rent is $1,274 a month. In the latest IRS figures, 176 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
$172,442
Change in 1 year
+4.1%
Overvalued %
+0.8%
Show 6 more
Fair home value
$171,072
Change in 5 years
+22.9%
Home value to income
2.5×
Monthly mortgage payment (20% down)
$935
Income needed to afford it
$37,382
Property tax rate
2.46%
Rent and investing
Typical rent
$1,274
Price-to-rent ratio
11.3×
HUD Fair Market Rent, 2 bedrooms
$1,058
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Gross rental yield
8.87%
Cap rate (estimate)
5.76%
Market activity
Listings vs a year ago
+22.4%
Days on market
51
Listings with a price cut
12.5%
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Homes for sale
235
Pending sales per 100 listings
81
Asking price per sq ft
$121
People and jobs
Median household income
$68,152
Population change (1 year)
−0.1%
Unemployment rate
6.0%
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Population
91,855
Income adjusted for cost of living
$74,402
Net moves in (IRS)
−176
Cost of living (US = 100)
91.6
Schools, risk and environment
School rating (1 to 10)
5.0
FEMA hazard risk score (0 to 100)
76.9
Unhealthy air days a year
3
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Flood risk score
87.5
Wildfire risk score
30.7
Walkability (1 to 20)
6.4
Road, rail and air noise
54 dB
Questions people ask
Is Steuben County, NY overvalued?
Home prices in Steuben County, NY are slightly above what local incomes have historically supported: fair value is about $171,072, so the area is 0.8% overvalued.
Is Steuben County, NY a buyer's or seller's market?
Steuben County, NY is a balanced market, leaning toward sellers: homes take about 51 days to sell, listings are up 22% from a year ago, 12% of listings have had a price cut.
Are home prices going down in Steuben County, NY?
Home values in Steuben County, NY are up 4.1% over the last year.
How much do you need to earn to buy a home in Steuben County, NY?
A household needs about $37,382 a year to afford the typical home in Steuben County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $68,152.