Market Overview
Home Prices in Wolcott, NY
The median home value in Wolcott, NY is $227,503 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.2% compared to a year ago and up 3.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Wolcott are priced45% below average. Wolcott is part of the Rochester, NY metro area.
Over the past five years, Wolcott home values have risen by approximately28.9%, reflecting strong long-term appreciation in this market.
Price History
Wolcott Home Price Trend
City Comparison
Wolcott vs. National Median
At $227,503, homes in Wolcott cost 45% below the national median of $410,000. This makes Wolcott a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Wolcott?
20% Down Payment
$45,501
on $227,503
Monthly P&I
$1,187/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,507/mo
incl. taxes & insurance
Income Needed
$60,280
gross annual (30% rule)
10% Down Option
$22,750
+ PMI applies
Loan Amount (20% dn)
$182,002
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 Wolcott, NY?
The median home value in Wolcott is $227,503 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.2% year-over-year.
How much have home prices changed in Wolcott?
Over the past year, home values in Wolcott have increased by 8.2%. Over five years, prices have risen approximately 28.9%.
How much do I need to earn to buy a home in Wolcott?
To comfortably afford the median home price of $227,503 with a 20% down payment ($45,501) at today's rates (6.8%), you'd need a gross annual income of approximately $60,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Wolcott compare to the national average home price?
The national median home value is approximately $410,000. At $227,503, homes in Wolcott are 45% below the national average.
What metro area is Wolcott part of?
Wolcott is part of the Rochester, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.