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📍 Dunkirk, NY · Zillow ZHVI · July 2026

Average Home Price in
Dunkirk, NY

Jamestown-Dunkirk-Fredonia, NY metro area · Chautauqua County County

Median Home Value
$135,705
↑ 5.2% year-over-year
vs. National Median
$410,000
Dunkirk is 67% below
Est. Monthly Payment
$708/mo
20% down · 6.8% rate
Income Needed
$36K
gross annual (30% rule)
Median Home Value
$135,705
↑ 5.2% year-over-year
Down Payment (20%)$27,141
Monthly P&I$708/mo
With Taxes & Ins.~$899/mo
Income Needed$35,960/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Dunkirk, NY

The median home value in Dunkirk, NY is $135,705 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.2% compared to a year ago and up 2.3% from two years prior.

Compared to the U.S. national median of $410,000, homes in Dunkirk are priced67% below average. Dunkirk is part of the Jamestown-Dunkirk-Fredonia, NY metro area.

City Comparison

Dunkirk vs. National Median

🏠 Dunkirk
$135,705
National Median
$410,000

At $135,705, homes in Dunkirk cost 67% below the national median of $410,000. This makes Dunkirk a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Dunkirk?

20% Down Payment
$27,141
on $135,705
Monthly P&I
$708/mo
30-yr @ 6.8%
Total Monthly Est.
~$899/mo
incl. taxes & insurance
Income Needed
$35,960
gross annual (30% rule)
10% Down Option
$13,571
+ PMI applies
Loan Amount (20% dn)
$108,564
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 Dunkirk, NY?
The median home value in Dunkirk is $135,705 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.2% year-over-year.
How much have home prices changed in Dunkirk?
Over the past year, home values in Dunkirk have increased by 5.2%.
How much do I need to earn to buy a home in Dunkirk?
To comfortably afford the median home price of $135,705 with a 20% down payment ($27,141) at today's rates (6.8%), you'd need a gross annual income of approximately $35,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Dunkirk compare to the national average home price?
The national median home value is approximately $410,000. At $135,705, homes in Dunkirk are 67% below the national average.
What metro area is Dunkirk part of?
Dunkirk is part of the Jamestown-Dunkirk-Fredonia, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.