Cheapest and most expensive ZIP codes in New York
Typical home values for 1561 New York ZIP codes with Zillow data (2026-09). Click a ZIP for its price trend and market stats.
10 most affordable ZIP codes
| ZIP | City | County | Typical value | 6-mo change |
|---|---|---|---|---|
| 13666 | Newton Falls | Saint Lawrence County | $54,164 | +3.8% |
| 12952 | Lyon Mountain | Clinton County | $68,018 | +1.2% |
| 14752 | Lily Dale | Chautauqua County | $70,062 | +6.6% |
| 14605 | Rochester | Monroe County | $94,557 | -1.5% |
| 14720 | Celoron | Chautauqua County | $96,664 | -3.5% |
| 12980 | Saint Regis Falls | Franklin County | $97,821 | +7.2% |
| 13635 | Edwards | Saint Lawrence County | $102,673 | +3.3% |
| 13670 | Oswegatchie | Saint Lawrence County | $107,438 | +6.7% |
| 13690 | Star Lake | Saint Lawrence County | $108,635 | +5.6% |
| 14904 | Elmira | Chemung County | $108,815 | +3.3% |
10 most expensive ZIP codes
| ZIP | City | County | Typical value | 6-mo change |
|---|---|---|---|---|
| 11962 | Sagaponack | Suffolk County | $6,830,656 | +2.4% |
| 11976 | Water Mill | Suffolk County | $5,118,765 | +3.5% |
| 11932 | Bridgehampton | Suffolk County | $4,809,745 | +2.6% |
| 10013 | New York | New York County | $3,742,343 | -0.3% |
| 11975 | Wainscott | Suffolk County | $3,473,231 | +1.8% |
| 11930 | Amagansett | Suffolk County | $3,387,631 | +4.0% |
| 10007 | New York | New York County | $3,147,817 | -0.1% |
| 11568 | Old Westbury | Nassau County | $3,122,284 | +5.4% |
| 10012 | New York | New York County | $3,005,394 | +1.3% |
| 11959 | Quogue | Suffolk County | $2,900,557 | +1.2% |
What these numbers mean for New York buyers
The most expensive New York ZIP code in this list has a typical home value 126.1 times the cheapest. The middle ZIP code is at $329,626. 1079 of 1561 ZIP codes are below the statewide typical value of $524,942.
Over the last six months, typical values rose in 1483 of 1561 ZIP codes and fell or held steady in 78.
Down payment at different price points
At the cheapest ZIP's typical value, a 3.5% down payment is $1,896 and 20% is $10,833. At the middle ZIP's value, the same down payments are $11,537 and $65,925. Add roughly 2% to 5% for closing costs.
Before you choose a ZIP code, compare New York property and transfer taxes and check New York first-time buyer programs, which can lower the cash you need.
Source: Zillow Home Value Index (ZHVI), mid-tier, by ZIP. ZIPs without their own Zillow series are excluded. 6-month change = last six monthly readings.
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