Market Overview
Home Prices in Harpursville, NY
The median home value in Harpursville, NY is $196,101 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.7% compared to a year ago and up 4.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harpursville are priced52% below average. Harpursville is part of the Binghamton, NY metro area.
Price History
Harpursville Home Price Trend
2024
$179,648
$180K
—
2025
$187,236
$187K
+4.2%
2026
$196,101
$196K
+4.7%
City Comparison
Harpursville vs. National Median
🏠 Harpursville
$196,101
National Median
$410,000
At $196,101, homes in Harpursville cost 52% below the national median of $410,000. This makes Harpursville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Harpursville?
20% Down Payment
$39,220
on $196,101
Monthly P&I
$1,023/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,299/mo
incl. taxes & insurance
Income Needed
$51,960
gross annual (30% rule)
10% Down Option
$19,610
+ PMI applies
Loan Amount (20% dn)
$156,881
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 Harpursville, NY?
The median home value in Harpursville is $196,101 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.7% year-over-year.
How much have home prices changed in Harpursville?
Over the past year, home values in Harpursville have increased by 4.7%.
How much do I need to earn to buy a home in Harpursville?
To comfortably afford the median home price of $196,101 with a 20% down payment ($39,220) at today's rates (6.8%), you'd need a gross annual income of approximately $51,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Harpursville compare to the national average home price?
The national median home value is approximately $410,000. At $196,101, homes in Harpursville are 52% below the national average.
What metro area is Harpursville part of?
Harpursville is part of the Binghamton, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.