Market Overview
Home Prices in Belmont, NY
The median home value in Belmont, NY is $137,251 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.4% compared to a year ago and up 4.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Belmont are priced67% below average.
Over the past five years, Belmont home values have risen by approximately31.5%, reflecting strong long-term appreciation in this market.
Price History
Belmont Home Price Trend
2020
$83,909
$84K
—
2021
$104,394
$104K
+24.4%
2022
$115,959
$116K
+11.1%
2023
$110,720
$111K
-4.5%
2024
$124,858
$125K
+12.8%
2025
$130,192
$130K
+4.3%
2026
$137,251
$137K
+5.4%
City Comparison
Belmont vs. National Median
🏠 Belmont
$137,251
National Median
$410,000
At $137,251, homes in Belmont cost 67% below the national median of $410,000. This makes Belmont a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Belmont?
20% Down Payment
$27,450
on $137,251
Monthly P&I
$716/mo
30-yr @ 6.8%
Total Monthly Est.
~$909/mo
incl. taxes & insurance
Income Needed
$36,360
gross annual (30% rule)
10% Down Option
$13,725
+ PMI applies
Loan Amount (20% dn)
$109,801
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 Belmont, NY?
The median home value in Belmont is $137,251 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 Belmont?
Over the past year, home values in Belmont have increased by 5.4%. Over five years, prices have risen approximately 31.5%.
How much do I need to earn to buy a home in Belmont?
To comfortably afford the median home price of $137,251 with a 20% down payment ($27,450) at today's rates (6.8%), you'd need a gross annual income of approximately $36,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Belmont compare to the national average home price?
The national median home value is approximately $410,000. At $137,251, homes in Belmont are 67% below the national average.