Market Overview
Home Prices in Cooperstown, NY
The median home value in Cooperstown, NY is $411,110 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.6% compared to a year ago and down 1.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cooperstown are priced0% above average. Cooperstown is part of the Oneonta, NY metro area.
Over the past five years, Cooperstown home values have risen by approximately35.0%, reflecting strong long-term appreciation in this market.
Price History
Cooperstown Home Price Trend
City Comparison
Cooperstown vs. National Median
At $411,110, homes in Cooperstown cost 0% above the national median of $410,000. Buyers in Cooperstown should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Cooperstown?
20% Down Payment
$82,222
on $411,110
Monthly P&I
$2,144/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,723/mo
incl. taxes & insurance
Income Needed
$108,920
gross annual (30% rule)
10% Down Option
$41,111
+ PMI applies
Loan Amount (20% dn)
$328,888
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 Cooperstown, NY?
The median home value in Cooperstown is $411,110 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.6% year-over-year.
How much have home prices changed in Cooperstown?
Over the past year, home values in Cooperstown have increased by 7.6%. Over five years, prices have risen approximately 35.0%.
How much do I need to earn to buy a home in Cooperstown?
To comfortably afford the median home price of $411,110 with a 20% down payment ($82,222) at today's rates (6.8%), you'd need a gross annual income of approximately $108,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Cooperstown compare to the national average home price?
The national median home value is approximately $410,000. At $411,110, homes in Cooperstown are 0% above the national average.
What metro area is Cooperstown part of?
Cooperstown is part of the Oneonta, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.