Market Overview
Home Prices in Cold Brook, NY
The median home value in Cold Brook, NY is $177,482 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.9% compared to a year ago and up 2.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cold Brook are priced57% below average. Cold Brook is part of the Utica-Rome, NY metro area.
Over the past five years, Cold Brook home values have risen by approximately20.2%, reflecting strong long-term appreciation in this market.
Price History
Cold Brook Home Price Trend
City Comparison
Cold Brook vs. National Median
At $177,482, homes in Cold Brook cost 57% below the national median of $410,000. This makes Cold Brook a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cold Brook?
20% Down Payment
$35,496
on $177,482
Monthly P&I
$926/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,176/mo
incl. taxes & insurance
Income Needed
$47,040
gross annual (30% rule)
10% Down Option
$17,748
+ PMI applies
Loan Amount (20% dn)
$141,986
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 Cold Brook, NY?
The median home value in Cold Brook is $177,482 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.9% year-over-year.
How much have home prices changed in Cold Brook?
Over the past year, home values in Cold Brook have increased by 6.9%. Over five years, prices have risen approximately 20.2%.
How much do I need to earn to buy a home in Cold Brook?
To comfortably afford the median home price of $177,482 with a 20% down payment ($35,496) at today's rates (6.8%), you'd need a gross annual income of approximately $47,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Cold Brook compare to the national average home price?
The national median home value is approximately $410,000. At $177,482, homes in Cold Brook are 57% below the national average.
What metro area is Cold Brook part of?
Cold Brook is part of the Utica-Rome, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.