Market Overview
Home Prices in Sylvan Beach, NY
The median home value in Sylvan Beach, NY is $229,014 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.9% 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 Sylvan Beach are priced44% below average. Sylvan Beach is part of the Utica-Rome, NY metro area.
Over the past five years, Sylvan Beach home values have risen by approximately42.7%, reflecting strong long-term appreciation in this market.
Price History
Sylvan Beach Home Price Trend
City Comparison
Sylvan Beach vs. National Median
At $229,014, homes in Sylvan Beach cost 44% below the national median of $410,000. This makes Sylvan Beach a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Sylvan Beach?
20% Down Payment
$45,803
on $229,014
Monthly P&I
$1,194/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,516/mo
incl. taxes & insurance
Income Needed
$60,640
gross annual (30% rule)
10% Down Option
$22,901
+ PMI applies
Loan Amount (20% dn)
$183,211
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 Sylvan Beach, NY?
The median home value in Sylvan Beach is $229,014 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.9% year-over-year.
How much have home prices changed in Sylvan Beach?
Over the past year, home values in Sylvan Beach have increased by 1.9%. Over five years, prices have risen approximately 42.7%.
How much do I need to earn to buy a home in Sylvan Beach?
To comfortably afford the median home price of $229,014 with a 20% down payment ($45,803) at today's rates (6.8%), you'd need a gross annual income of approximately $60,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Sylvan Beach compare to the national average home price?
The national median home value is approximately $410,000. At $229,014, homes in Sylvan Beach are 44% below the national average.
What metro area is Sylvan Beach part of?
Sylvan Beach is part of the Utica-Rome, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.