Market Overview
Home Prices in Adams Center, NY
The median home value in Adams Center, NY is $238,686 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.8% compared to a year ago and down 0.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Adams Center are priced42% below average. Adams Center is part of the Watertown-Fort Drum, NY metro area.
Over the past five years, Adams Center home values have risen by approximately23.1%, reflecting strong long-term appreciation in this market.
Price History
Adams Center Home Price Trend
City Comparison
Adams Center vs. National Median
At $238,686, homes in Adams Center cost 42% below the national median of $410,000. This makes Adams Center a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Adams Center?
20% Down Payment
$47,737
on $238,686
Monthly P&I
$1,245/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,581/mo
incl. taxes & insurance
Income Needed
$63,240
gross annual (30% rule)
10% Down Option
$23,869
+ PMI applies
Loan Amount (20% dn)
$190,949
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Adams Center, NY?
The median home value in Adams Center is $238,686 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.8% year-over-year.
How much have home prices changed in Adams Center?
Over the past year, home values in Adams Center have increased by 3.8%. Over five years, prices have risen approximately 23.1%.
How much do I need to earn to buy a home in Adams Center?
To comfortably afford the median home price of $238,686 with a 20% down payment ($47,737) at today's rates (6.8%), you'd need a gross annual income of approximately $63,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Adams Center compare to the national average home price?
The national median home value is approximately $410,000. At $238,686, homes in Adams Center are 42% below the national average.
What metro area is Adams Center part of?
Adams Center is part of the Watertown-Fort Drum, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.