Market Overview
Home Prices in Waddington, NY
The median home value in Waddington, NY is $187,710 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.4% compared to a year ago and up 9.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waddington are priced54% below average. Waddington is part of the Ogdensburg-Massena, NY metro area.
Over the past five years, Waddington home values have risen by approximately36.1%, reflecting strong long-term appreciation in this market.
Price History
Waddington Home Price Trend
City Comparison
Waddington vs. National Median
At $187,710, homes in Waddington cost 54% below the national median of $410,000. This makes Waddington a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Waddington?
20% Down Payment
$37,542
on $187,710
Monthly P&I
$979/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,243/mo
incl. taxes & insurance
Income Needed
$49,720
gross annual (30% rule)
10% Down Option
$18,771
+ PMI applies
Loan Amount (20% dn)
$150,168
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 Waddington, NY?
The median home value in Waddington is $187,710 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.4% year-over-year.
How much have home prices changed in Waddington?
Over the past year, home values in Waddington have increased by 2.4%. Over five years, prices have risen approximately 36.1%.
How much do I need to earn to buy a home in Waddington?
To comfortably afford the median home price of $187,710 with a 20% down payment ($37,542) at today's rates (6.8%), you'd need a gross annual income of approximately $49,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Waddington compare to the national average home price?
The national median home value is approximately $410,000. At $187,710, homes in Waddington are 54% below the national average.
What metro area is Waddington part of?
Waddington is part of the Ogdensburg-Massena, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.