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📍 Cuba, NY · Zillow ZHVI · July 2026

Average Home Price in
Cuba, NY

Olean, NY metro area · Allegany County County

Median Home Value
$164,907
↑ 8.4% year-over-year
vs. National Median
$410,000
Cuba is 60% below
Est. Monthly Payment
$860/mo
20% down · 6.8% rate
Income Needed
$44K
gross annual (30% rule)
Median Home Value
$164,907
↑ 8.4% year-over-year
Down Payment (20%)$32,981
Monthly P&I$860/mo
With Taxes & Ins.~$1,092/mo
Income Needed$43,680/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Cuba, NY

The median home value in Cuba, NY is $164,907 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.4% compared to a year ago and up 4.4% from two years prior.

Compared to the U.S. national median of $410,000, homes in Cuba are priced60% below average. Cuba is part of the Olean, NY metro area.

City Comparison

Cuba vs. National Median

🏠 Cuba
$164,907
National Median
$410,000

At $164,907, homes in Cuba cost 60% below the national median of $410,000. This makes Cuba a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Cuba?

20% Down Payment
$32,981
on $164,907
Monthly P&I
$860/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,092/mo
incl. taxes & insurance
Income Needed
$43,680
gross annual (30% rule)
10% Down Option
$16,491
+ PMI applies
Loan Amount (20% dn)
$131,926
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 Cuba, NY?
The median home value in Cuba is $164,907 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.4% year-over-year.
How much have home prices changed in Cuba?
Over the past year, home values in Cuba have increased by 8.4%.
How much do I need to earn to buy a home in Cuba?
To comfortably afford the median home price of $164,907 with a 20% down payment ($32,981) at today's rates (6.8%), you'd need a gross annual income of approximately $43,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Cuba compare to the national average home price?
The national median home value is approximately $410,000. At $164,907, homes in Cuba are 60% below the national average.
What metro area is Cuba part of?
Cuba is part of the Olean, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.