Market Overview
Home Prices in Belfast, NY
The median home value in Belfast, NY is $139,981 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.4% compared to a year ago and up 6.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Belfast are priced66% below average.
Price History
Belfast Home Price Trend
2024
$124,879
$125K
—
2025
$132,778
$133K
+6.3%
2026
$139,981
$140K
+5.4%
City Comparison
Belfast vs. National Median
🏠 Belfast
$139,981
National Median
$410,000
At $139,981, homes in Belfast cost 66% below the national median of $410,000. This makes Belfast a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Belfast?
20% Down Payment
$27,996
on $139,981
Monthly P&I
$730/mo
30-yr @ 6.8%
Total Monthly Est.
~$927/mo
incl. taxes & insurance
Income Needed
$37,080
gross annual (30% rule)
10% Down Option
$13,998
+ PMI applies
Loan Amount (20% dn)
$111,985
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 Belfast, NY?
The median home value in Belfast is $139,981 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.4% year-over-year.
How much have home prices changed in Belfast?
Over the past year, home values in Belfast have increased by 5.4%.
How much do I need to earn to buy a home in Belfast?
To comfortably afford the median home price of $139,981 with a 20% down payment ($27,996) at today's rates (6.8%), you'd need a gross annual income of approximately $37,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Belfast compare to the national average home price?
The national median home value is approximately $410,000. At $139,981, homes in Belfast are 66% below the national average.