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📍 Horseheads, NY · Zillow ZHVI · July 2026

Average Home Price in
Horseheads, NY

Elmira, NY metro area · Chemung County County

Median Home Value
$227,403
↑ 6.1% year-over-year
vs. National Median
$410,000
Horseheads is 45% below
Est. Monthly Payment
$1,186/mo
20% down · 6.8% rate
Income Needed
$60K
gross annual (30% rule)
Median Home Value
$227,403
↑ 6.1% year-over-year
Down Payment (20%)$45,481
Monthly P&I$1,186/mo
With Taxes & Ins.~$1,506/mo
Income Needed$60,240/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Horseheads, NY

The median home value in Horseheads, NY is $227,403 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.1% compared to a year ago and up 2% from two years prior.

Compared to the U.S. national median of $410,000, homes in Horseheads are priced45% below average. Horseheads is part of the Elmira, NY metro area.

City Comparison

Horseheads vs. National Median

🏠 Horseheads
$227,403
National Median
$410,000

At $227,403, homes in Horseheads cost 45% below the national median of $410,000. This makes Horseheads a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Horseheads?

20% Down Payment
$45,481
on $227,403
Monthly P&I
$1,186/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,506/mo
incl. taxes & insurance
Income Needed
$60,240
gross annual (30% rule)
10% Down Option
$22,740
+ PMI applies
Loan Amount (20% dn)
$181,922
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 Horseheads, NY?
The median home value in Horseheads is $227,403 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.1% year-over-year.
How much have home prices changed in Horseheads?
Over the past year, home values in Horseheads have increased by 6.1%.
How much do I need to earn to buy a home in Horseheads?
To comfortably afford the median home price of $227,403 with a 20% down payment ($45,481) at today's rates (6.8%), you'd need a gross annual income of approximately $60,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Horseheads compare to the national average home price?
The national median home value is approximately $410,000. At $227,403, homes in Horseheads are 45% below the national average.
What metro area is Horseheads part of?
Horseheads is part of the Elmira, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.