Market Overview
Home Prices in Gouverneur, NY
The median home value in Gouverneur, NY is $138,859 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.9% compared to a year ago and up 1.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Gouverneur are priced66% below average. Gouverneur is part of the Ogdensburg-Massena, NY metro area.
Over the past five years, Gouverneur home values have risen by approximately28.9%, reflecting strong long-term appreciation in this market.
Price History
Gouverneur Home Price Trend
City Comparison
Gouverneur vs. National Median
At $138,859, homes in Gouverneur cost 66% below the national median of $410,000. This makes Gouverneur a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Gouverneur?
20% Down Payment
$27,772
on $138,859
Monthly P&I
$724/mo
30-yr @ 6.8%
Total Monthly Est.
~$919/mo
incl. taxes & insurance
Income Needed
$36,760
gross annual (30% rule)
10% Down Option
$13,886
+ PMI applies
Loan Amount (20% dn)
$111,087
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 Gouverneur, NY?
The median home value in Gouverneur is $138,859 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.9% year-over-year.
How much have home prices changed in Gouverneur?
Over the past year, home values in Gouverneur have increased by 5.9%. Over five years, prices have risen approximately 28.9%.
How much do I need to earn to buy a home in Gouverneur?
To comfortably afford the median home price of $138,859 with a 20% down payment ($27,772) at today's rates (6.8%), you'd need a gross annual income of approximately $36,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Gouverneur compare to the national average home price?
The national median home value is approximately $410,000. At $138,859, homes in Gouverneur are 66% below the national average.
What metro area is Gouverneur part of?
Gouverneur is part of the Ogdensburg-Massena, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.