Market Overview
Home Prices in Houghton, NY
The median home value in Houghton, NY is $202,165 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.8% compared to a year ago and up 4.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Houghton are priced51% below average.
Over the past five years, Houghton home values have risen by approximately30.8%, reflecting strong long-term appreciation in this market.
Price History
Houghton Home Price Trend
2020
$133,581
$134K
—
2021
$154,612
$155K
+15.7%
2022
$167,468
$167K
+8.3%
2023
$165,947
$166K
-0.9%
2024
$182,831
$183K
+10.2%
2025
$191,108
$191K
+4.5%
2026
$202,165
$202K
+5.8%
City Comparison
Houghton vs. National Median
🏠 Houghton
$202,165
National Median
$410,000
At $202,165, homes in Houghton cost 51% below the national median of $410,000. This makes Houghton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Houghton?
20% Down Payment
$40,433
on $202,165
Monthly P&I
$1,054/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,339/mo
incl. taxes & insurance
Income Needed
$53,560
gross annual (30% rule)
10% Down Option
$20,217
+ PMI applies
Loan Amount (20% dn)
$161,732
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 Houghton, NY?
The median home value in Houghton is $202,165 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.8% year-over-year.
How much have home prices changed in Houghton?
Over the past year, home values in Houghton have increased by 5.8%. Over five years, prices have risen approximately 30.8%.
How much do I need to earn to buy a home in Houghton?
To comfortably afford the median home price of $202,165 with a 20% down payment ($40,433) at today's rates (6.8%), you'd need a gross annual income of approximately $53,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Houghton compare to the national average home price?
The national median home value is approximately $410,000. At $202,165, homes in Houghton are 51% below the national average.