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📍 Kirkwood, NY · Zillow ZHVI · July 2026

Average Home Price in
Kirkwood, NY

Binghamton, NY metro area · Broome County County

Median Home Value
$191,209
↑ 3.1% year-over-year
vs. National Median
$410,000
Kirkwood is 53% below
Est. Monthly Payment
$997/mo
20% down · 6.8% rate
Income Needed
$51K
gross annual (30% rule)
Median Home Value
$191,209
↑ 3.1% year-over-year
Down Payment (20%)$38,242
Monthly P&I$997/mo
With Taxes & Ins.~$1,266/mo
Income Needed$50,640/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Kirkwood, NY

The median home value in Kirkwood, NY is $191,209 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.1% compared to a year ago and up 3.3% from two years prior.

Compared to the U.S. national median of $410,000, homes in Kirkwood are priced53% below average. Kirkwood is part of the Binghamton, NY metro area.

City Comparison

Kirkwood vs. National Median

🏠 Kirkwood
$191,209
National Median
$410,000

At $191,209, homes in Kirkwood cost 53% below the national median of $410,000. This makes Kirkwood a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Kirkwood?

20% Down Payment
$38,242
on $191,209
Monthly P&I
$997/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,266/mo
incl. taxes & insurance
Income Needed
$50,640
gross annual (30% rule)
10% Down Option
$19,121
+ PMI applies
Loan Amount (20% dn)
$152,967
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 Kirkwood, NY?
The median home value in Kirkwood is $191,209 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.1% year-over-year.
How much have home prices changed in Kirkwood?
Over the past year, home values in Kirkwood have increased by 3.1%.
How much do I need to earn to buy a home in Kirkwood?
To comfortably afford the median home price of $191,209 with a 20% down payment ($38,242) at today's rates (6.8%), you'd need a gross annual income of approximately $50,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Kirkwood compare to the national average home price?
The national median home value is approximately $410,000. At $191,209, homes in Kirkwood are 53% below the national average.
What metro area is Kirkwood part of?
Kirkwood is part of the Binghamton, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.