Market Overview
Home Prices in Champlain, NY
The median home value in Champlain, NY is $207,797 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8% compared to a year ago and up 3.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Champlain are priced49% below average. Champlain is part of the Plattsburgh, NY metro area.
Price History
Champlain Home Price Trend
2024
$185,358
$185K
—
2025
$192,353
$192K
+3.8%
2026
$207,797
$208K
+8.0%
City Comparison
Champlain vs. National Median
🏠 Champlain
$207,797
National Median
$410,000
At $207,797, homes in Champlain cost 49% below the national median of $410,000. This makes Champlain a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Champlain?
20% Down Payment
$41,559
on $207,797
Monthly P&I
$1,084/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,377/mo
incl. taxes & insurance
Income Needed
$55,080
gross annual (30% rule)
10% Down Option
$20,780
+ PMI applies
Loan Amount (20% dn)
$166,238
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 Champlain, NY?
The median home value in Champlain is $207,797 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8% year-over-year.
How much have home prices changed in Champlain?
Over the past year, home values in Champlain have increased by 8%.
How much do I need to earn to buy a home in Champlain?
To comfortably afford the median home price of $207,797 with a 20% down payment ($41,559) at today's rates (6.8%), you'd need a gross annual income of approximately $55,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Champlain compare to the national average home price?
The national median home value is approximately $410,000. At $207,797, homes in Champlain are 49% below the national average.
What metro area is Champlain part of?
Champlain is part of the Plattsburgh, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.