Market Overview
Home Prices in Swain, NY
The median home value in Swain, NY is $155,652 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 13.4% compared to a year ago and up 5.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Swain are priced62% below average.
Price History
Swain Home Price Trend
2024
$130,086
$130K
—
2025
$137,273
$137K
+5.5%
2026
$155,652
$156K
+13.4%
City Comparison
Swain vs. National Median
🏠 Swain
$155,652
National Median
$410,000
At $155,652, homes in Swain cost 62% below the national median of $410,000. This makes Swain a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Swain?
20% Down Payment
$31,130
on $155,652
Monthly P&I
$812/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,031/mo
incl. taxes & insurance
Income Needed
$41,240
gross annual (30% rule)
10% Down Option
$15,565
+ PMI applies
Loan Amount (20% dn)
$124,522
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 Swain, NY?
The median home value in Swain is $155,652 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 13.4% year-over-year.
How much have home prices changed in Swain?
Over the past year, home values in Swain have increased by 13.4%.
How much do I need to earn to buy a home in Swain?
To comfortably afford the median home price of $155,652 with a 20% down payment ($31,130) at today's rates (6.8%), you'd need a gross annual income of approximately $41,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Swain compare to the national average home price?
The national median home value is approximately $410,000. At $155,652, homes in Swain are 62% below the national average.