Market Overview
Home Prices in Vestal, NY
The median home value in Vestal, NY is $262,848 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.9% compared to a year ago and up 3.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Vestal are priced36% below average. Vestal is part of the Binghamton, NY metro area.
Price History
Vestal Home Price Trend
2024
$236,706
$237K
—
2025
$245,894
$246K
+3.9%
2026
$262,848
$263K
+6.9%
City Comparison
Vestal vs. National Median
🏠 Vestal
$262,848
National Median
$410,000
At $262,848, homes in Vestal cost 36% below the national median of $410,000. This makes Vestal a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Vestal?
20% Down Payment
$52,570
on $262,848
Monthly P&I
$1,371/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,741/mo
incl. taxes & insurance
Income Needed
$69,640
gross annual (30% rule)
10% Down Option
$26,285
+ PMI applies
Loan Amount (20% dn)
$210,278
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 Vestal, NY?
The median home value in Vestal is $262,848 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.9% year-over-year.
How much have home prices changed in Vestal?
Over the past year, home values in Vestal have increased by 6.9%.
How much do I need to earn to buy a home in Vestal?
To comfortably afford the median home price of $262,848 with a 20% down payment ($52,570) at today's rates (6.8%), you'd need a gross annual income of approximately $69,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Vestal compare to the national average home price?
The national median home value is approximately $410,000. At $262,848, homes in Vestal are 36% below the national average.
What metro area is Vestal part of?
Vestal is part of the Binghamton, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.