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📍 Adams, NY · Zillow ZHVI · July 2026

Average Home Price in
Adams, NY

Watertown-Fort Drum, NY metro area · Jefferson County County

Median Home Value
$228,399
↑ 4.1% year-over-year
vs. National Median
$410,000
Adams is 44% below
Est. Monthly Payment
$1,191/mo
20% down · 6.8% rate
Income Needed
$61K
gross annual (30% rule)
Median Home Value
$228,399
↑ 4.1% year-over-year
Down Payment (20%)$45,680
Monthly P&I$1,191/mo
With Taxes & Ins.~$1,513/mo
Income Needed$60,520/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Adams, NY

The median home value in Adams, NY is $228,399 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.1% compared to a year ago and up 1.6% from two years prior.

Compared to the U.S. national median of $410,000, homes in Adams are priced44% below average. Adams is part of the Watertown-Fort Drum, NY metro area.

City Comparison

Adams vs. National Median

🏠 Adams
$228,399
National Median
$410,000

At $228,399, homes in Adams cost 44% below the national median of $410,000. This makes Adams a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Adams?

20% Down Payment
$45,680
on $228,399
Monthly P&I
$1,191/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,513/mo
incl. taxes & insurance
Income Needed
$60,520
gross annual (30% rule)
10% Down Option
$22,840
+ PMI applies
Loan Amount (20% dn)
$182,719
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, NY?
The median home value in Adams is $228,399 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.1% year-over-year.
How much have home prices changed in Adams?
Over the past year, home values in Adams have increased by 4.1%.
How much do I need to earn to buy a home in Adams?
To comfortably afford the median home price of $228,399 with a 20% down payment ($45,680) at today's rates (6.8%), you'd need a gross annual income of approximately $60,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Adams compare to the national average home price?
The national median home value is approximately $410,000. At $228,399, homes in Adams are 44% below the national average.
What metro area is Adams part of?
Adams is part of the Watertown-Fort Drum, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.