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📍 Elba, NY · Zillow ZHVI · July 2026

Average Home Price in
Elba, NY

Batavia, NY metro area · Genesee County County

Median Home Value
$208,936
↑ 1.5% year-over-year
vs. National Median
$410,000
Elba is 49% below
Est. Monthly Payment
$1,090/mo
20% down · 6.8% rate
Income Needed
$55K
gross annual (30% rule)
Median Home Value
$208,936
↑ 1.5% year-over-year
Down Payment (20%)$41,787
Monthly P&I$1,090/mo
With Taxes & Ins.~$1,384/mo
Income Needed$55,360/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Elba, NY

The median home value in Elba, NY is $208,936 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.5% compared to a year ago and up 2.5% from two years prior.

Compared to the U.S. national median of $410,000, homes in Elba are priced49% below average. Elba is part of the Batavia, NY metro area.

City Comparison

Elba vs. National Median

🏠 Elba
$208,936
National Median
$410,000

At $208,936, homes in Elba cost 49% below the national median of $410,000. This makes Elba a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Elba?

20% Down Payment
$41,787
on $208,936
Monthly P&I
$1,090/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,384/mo
incl. taxes & insurance
Income Needed
$55,360
gross annual (30% rule)
10% Down Option
$20,894
+ PMI applies
Loan Amount (20% dn)
$167,149
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 Elba, NY?
The median home value in Elba is $208,936 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.5% year-over-year.
How much have home prices changed in Elba?
Over the past year, home values in Elba have increased by 1.5%.
How much do I need to earn to buy a home in Elba?
To comfortably afford the median home price of $208,936 with a 20% down payment ($41,787) at today's rates (6.8%), you'd need a gross annual income of approximately $55,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Elba compare to the national average home price?
The national median home value is approximately $410,000. At $208,936, homes in Elba are 49% below the national average.
What metro area is Elba part of?
Elba is part of the Batavia, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.