Market Overview
Home Prices in Garnerville, NY
The median home value in Garnerville, NY is $621,232 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.7% compared to a year ago and up 5.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Garnerville are priced52% above average. Garnerville is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Price History
Garnerville Home Price Trend
2024
$569,870
$570K
—
2025
$599,331
$599K
+5.2%
2026
$621,232
$621K
+3.7%
City Comparison
Garnerville vs. National Median
🏠 Garnerville
$621,232
National Median
$410,000
At $621,232, homes in Garnerville cost 52% above the national median of $410,000. Buyers in Garnerville should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Garnerville?
20% Down Payment
$124,246
on $621,232
Monthly P&I
$3,240/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,115/mo
incl. taxes & insurance
Income Needed
$164,600
gross annual (30% rule)
10% Down Option
$62,123
+ PMI applies
Loan Amount (20% dn)
$496,986
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 Garnerville, NY?
The median home value in Garnerville is $621,232 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.7% year-over-year.
How much have home prices changed in Garnerville?
Over the past year, home values in Garnerville have increased by 3.7%.
How much do I need to earn to buy a home in Garnerville?
To comfortably afford the median home price of $621,232 with a 20% down payment ($124,246) at today's rates (6.8%), you'd need a gross annual income of approximately $164,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Garnerville compare to the national average home price?
The national median home value is approximately $410,000. At $621,232, homes in Garnerville are 52% above the national average.
What metro area is Garnerville part of?
Garnerville is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. Home prices and market conditions can vary across the broader metro region.