Market Overview
Home Prices in Napanoch, NY
The median home value in Napanoch, NY is $297,884 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.9% 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 Napanoch are priced27% below average. Napanoch is part of the Kingston, NY metro area.
Over the past five years, Napanoch home values have risen by approximately43.3%, reflecting strong long-term appreciation in this market.
Price History
Napanoch Home Price Trend
City Comparison
Napanoch vs. National Median
At $297,884, homes in Napanoch cost 27% below the national median of $410,000. This makes Napanoch a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Napanoch?
20% Down Payment
$59,577
on $297,884
Monthly P&I
$1,554/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,974/mo
incl. taxes & insurance
Income Needed
$78,960
gross annual (30% rule)
10% Down Option
$29,788
+ PMI applies
Loan Amount (20% dn)
$238,307
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 Napanoch, NY?
The median home value in Napanoch is $297,884 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 Napanoch?
Over the past year, home values in Napanoch have increased by 5.9%. Over five years, prices have risen approximately 43.3%.
How much do I need to earn to buy a home in Napanoch?
To comfortably afford the median home price of $297,884 with a 20% down payment ($59,577) at today's rates (6.8%), you'd need a gross annual income of approximately $78,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Napanoch compare to the national average home price?
The national median home value is approximately $410,000. At $297,884, homes in Napanoch are 27% below the national average.
What metro area is Napanoch part of?
Napanoch is part of the Kingston, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.