Market Overview
Home Prices in Cayuga, NY
The median home value in Cayuga, NY is $312,380 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.8% compared to a year ago and down 1.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cayuga are priced24% below average. Cayuga is part of the Auburn, NY metro area.
Over the past five years, Cayuga home values have risen by approximately36.4%, reflecting strong long-term appreciation in this market.
Price History
Cayuga Home Price Trend
City Comparison
Cayuga vs. National Median
At $312,380, homes in Cayuga cost 24% below the national median of $410,000. This makes Cayuga a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cayuga?
20% Down Payment
$62,476
on $312,380
Monthly P&I
$1,629/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,069/mo
incl. taxes & insurance
Income Needed
$82,760
gross annual (30% rule)
10% Down Option
$31,238
+ PMI applies
Loan Amount (20% dn)
$249,904
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 Cayuga, NY?
The median home value in Cayuga is $312,380 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.8% year-over-year.
How much have home prices changed in Cayuga?
Over the past year, home values in Cayuga have increased by 8.8%. Over five years, prices have risen approximately 36.4%.
How much do I need to earn to buy a home in Cayuga?
To comfortably afford the median home price of $312,380 with a 20% down payment ($62,476) at today's rates (6.8%), you'd need a gross annual income of approximately $82,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Cayuga compare to the national average home price?
The national median home value is approximately $410,000. At $312,380, homes in Cayuga are 24% below the national average.
What metro area is Cayuga part of?
Cayuga is part of the Auburn, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.