Market Overview
Home Prices in Black Creek, NY
The median home value in Black Creek, NY is $160,587 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 12% compared to a year ago and up 7.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Black Creek are priced61% below average.
Price History
Black Creek Home Price Trend
2024
$133,041
$133K
—
2025
$143,380
$143K
+7.8%
2026
$160,587
$161K
+12.0%
City Comparison
Black Creek vs. National Median
🏠 Black Creek
$160,587
National Median
$410,000
At $160,587, homes in Black Creek cost 61% below the national median of $410,000. This makes Black Creek a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Black Creek?
20% Down Payment
$32,117
on $160,587
Monthly P&I
$838/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,064/mo
incl. taxes & insurance
Income Needed
$42,560
gross annual (30% rule)
10% Down Option
$16,059
+ PMI applies
Loan Amount (20% dn)
$128,470
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 Black Creek, NY?
The median home value in Black Creek is $160,587 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 12% year-over-year.
How much have home prices changed in Black Creek?
Over the past year, home values in Black Creek have increased by 12%.
How much do I need to earn to buy a home in Black Creek?
To comfortably afford the median home price of $160,587 with a 20% down payment ($32,117) at today's rates (6.8%), you'd need a gross annual income of approximately $42,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Black Creek compare to the national average home price?
The national median home value is approximately $410,000. At $160,587, homes in Black Creek are 61% below the national average.