Market Overview
Home Prices in Otisville, NY
The median home value in Otisville, NY is $441,000 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.7% compared to a year ago and up 3.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Otisville are priced8% above average. Otisville is part of the Poughkeepsie-Newburgh-Middletown, NY metro area.
Over the past five years, Otisville home values have risen by approximately37.5%, reflecting strong long-term appreciation in this market.
Price History
Otisville Home Price Trend
City Comparison
Otisville vs. National Median
At $441,000, homes in Otisville cost 8% above the national median of $410,000. Buyers in Otisville should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Otisville?
20% Down Payment
$88,200
on $441,000
Monthly P&I
$2,300/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,921/mo
incl. taxes & insurance
Income Needed
$116,840
gross annual (30% rule)
10% Down Option
$44,100
+ PMI applies
Loan Amount (20% dn)
$352,800
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 Otisville, NY?
The median home value in Otisville is $441,000 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.7% year-over-year.
How much have home prices changed in Otisville?
Over the past year, home values in Otisville have increased by 3.7%. Over five years, prices have risen approximately 37.5%.
How much do I need to earn to buy a home in Otisville?
To comfortably afford the median home price of $441,000 with a 20% down payment ($88,200) at today's rates (6.8%), you'd need a gross annual income of approximately $116,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Otisville compare to the national average home price?
The national median home value is approximately $410,000. At $441,000, homes in Otisville are 8% above the national average.
What metro area is Otisville part of?
Otisville is part of the Poughkeepsie-Newburgh-Middletown, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.