The story of this market
The typical home in Cayuga County, New York sells for about $201,894, or $107 per square foot.
Prices are up +3.5% from a year ago, so sellers still have some momentum. Homes take about 98 days to sell, which is slow. Over the long run, values in this county have grown 121% since 2000. Last year 3 of 6 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,074 a month.
HUD sets the fair market rent for a 2-bedroom at $1,074 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+1.4%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+12.5%). Worst: 2008 (-2.6%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.5%
NY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,424
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+1.4%
2025 change
FHFA repeat-sales index, median of 6 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
28
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $23,788,654.
Mortgage activity
Home lending in this county
77.7%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 2173 | 1292 | 77.7% | 4.2% | $145,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Cayuga County, New York
Cayuga County's housing market demonstrates sustained modest appreciation, with median sale prices hovering around $202,000, up approximately 3.5% year-over-year. Inventory remains relatively lean at roughly 140 to 180 active residential listings, which helps protect prices despite longer marketing times of over 90 days. Affordability relative to greater Upstate New York metros keeps demand consistent among regional buyers seeking value and lake access.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 16 cities · 23 ZIP reports
Median prices moved up 6.3% year over year.
Homes spend a median of 37 days on market with 0.2 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 7.23% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 11.2% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 20 researched ZIP reports of 23 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Cayuga County, New York — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 17
researched Sep 18
researched Sep 19
researched Sep 17
researched Sep 20
researched Sep 19
researched Sep 16
| 13021 | Auburn | $205,000 | $148 | +2.5% | 54 | — | — | — | 220 | $911 | researched Sep 16 |
| 13022 | Auburn | $240,000 | $146 | +6.7% | 35 | — | — | — | 223 | $1,100 | researched Sep 16 |
| 13024 | Auburn | $265,000 | $150 | +11% | 19 | 103.2% | 6% | 31.5 | 189 | $1,398 | researched Sep 16 |
| 13026 | Aurora | $265,000 | $150 | +11% | 19 | 100% | — | 1 | 6 | $1,259 | researched Sep 17 |
| 13033 | Cato | $319,949 | $193 | -2.9% | 33 | 103.2% | 6% | 3.5 | 36 | $920 | researched Sep 18 |
| 13034 | Cayuga | $399,900 | $286 | +2.5% | 35 | 98.5% | 12% | 4.2 | 35 | $1,125 | researched Sep 19 |
| 13045 | Cortland | $194,000 | $107 | -42.2% | 234 | 104% | — | 1 | 1 | $981 | researched Sep 17 |
| 13064 | Fair Haven | $369,779 | $214 | +1% | 82 | — | — | — | 123 | $2,900 | researched Sep 20 |
| 13065 | Fayette | $369,779 | $214 | +1% | 82 | — | — | — | 13 | $2,900 | researched Sep 19 |
| 13071 | Genoa | $275,450 | $193 | +12.5% | 33 | 103.2% | 6% | 2.9 | 900 | $1,261 | researched Sep 16 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Cayuga County experiences crime rates modestly below national averages, with most property and violent offenses concentrated within urban nodes like Auburn. Rural and lakefront townships report very low incidence levels compared to statewide metropolitan baselines.
Public education is anchored by Auburn Enlarged City School District alongside several rural central districts including Union Springs, Southern Cayuga, and Weedsport. District academic performance varies, with smaller rural districts frequently achieving solid graduation rates and strong community engagement.
Flood exposure is elevated along the shorelines of Cayuga Lake, Owasco Lake, and the Seneca River corridor during high-precipitation events. Winter severe weather, including lake-effect snowfall and ice storms, poses the primary annual property risk rather than wildfires.
Economic momentum centers on specialty manufacturing, agricultural production and food processing, tourism across the Finger Lakes wine region, and healthcare. Spillover potential from regional semiconductor investments in nearby Onondaga County (Micron) serves as a key long-term catalyst.
Property taxes in Cayuga County reflect typical Upstate New York structures with combined county, town/city, and school district levies creating an effective tax rate around 2.2% to 2.5%. Eligible owner-occupants utilize the New York State STAR (School Tax Relief) exemption program to offset school tax liabilities.
Cayuga County's economy is underpinned by advanced agriculture, manufacturing, healthcare, and educational institutions alongside seasonal tourism across the Finger Lakes. Key employers include Auburn Community Hospital, Cayuga County government, Currier Plastics, and dairy processing operations.
Transportation centers around east-west corridors including U.S. Route 20 and the New York State Thruway (I-90) traversing the county's northern corridor, alongside Route 34 running north-south. Centro provides municipal bus transit within Auburn and connections to Syracuse.
Municipal planning departments prioritize preservation of prime agricultural acreage through zoning overlays while concentrating infill development and commercial expansion along Route 5/20 and industrial parks in Aurelius.
New York operates a decentralized municipal assessment structure rather than a single county central appraisal district; property assessments are administered by town and city assessors under county oversight and state equalization rate monitoring.
Parcels are subject to school district taxes spanning nine public school jurisdictions, alongside various special fire protection, water, and sewer special improvement districts administered at the town level.
The residential insurance market remains comparatively stable relative to hurricane-prone coastal regions, though property owners along Lake Ontario, Owasco Lake, and local creek corridors face elevated flood insurance obligations via the NFIP.
- Funcity Adventure Park4.125.9 mi
- Central Rock Gym - Syracuse4.928.3 mi
- The Adventure Center4.626.8 mi
- Ithaca Children's Garden4.722.1 mi
- Abbott Farms3.929.5 mi
- del Lago Resort & Casino4.220.5 mi
- New York State Fairgrounds4.527 mi
- JMA Wireless Dome4.428 mi
- Dinosaur Bar-B-Que4.628.1 mi
- Rosamond Gifford Zoo4.526.7 mi
- Taughannock Falls State Park4.815.4 mi
- Beak & Skiff Apple Hill Campus / 1911 Tasting Room4.519.1 mi
- Three Brothers Wineries and Estates4.619.4 mi
- Sampson State Park4.618.1 mi
- Cayuga Lake State Park4.413.7 mi
- Stewart Park4.721.1 mi
- Sampson State Park4.618.1 mi
- Museum of Science & Technology4.627.8 mi
- Herbert F. Johnson Museum of Art4.722 mi
- Sciencenter4.721.9 mi
- Taughannock Falls State Park4.815.4 mi
- Fillmore Glen State Park4.69.5 mi
- Sampson State Park4.618.1 mi
- Cayuga Lake State Park4.413.7 mi
- Montezuma National Wildlife Refuge4.616.7 mi
- Wolffy's Grill and Marina4.412.8 mi
- Seneca Lake Resorts4.518.6 mi
- Rivers Crossing Campground & Marina4.719.6 mi
- Wegman's Good Dog Park4.429.1 mi
- Lansing Harbor4.415.9 mi
- Vesper Hills Golf Club4.717.5 mi
- Sunset Ridge Golf Club4.219.2 mi
- Seneca Falls Country Club4.613.5 mi
- The View Sports Bar and Restaurant4.518.5 mi
- Trumansburg Golf Course4.517 mi
- Tim's Pumpkin Patch4.314.5 mi
- Shops at Ithaca3.819.7 mi
- Fingerlakes Mall3.511.8 mi
- Tops Friendly Markets4.113.9 mi
- Bailiwick Market and Cafe4.618.7 mi
- Ithaca Tompkins International Airport4.219.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Situated at the northern tip of Owasco Lake in Auburn, Emerson Park offers boat launches, public beaches, disc golf, walking paths, and the Merry-Go-Round Playhouse. It serves as the county's flagship public waterfront destination for residents and visitors.
Located in Auburn, this site commemorates the life and legacy of the iconic abolitionist and Underground Railroad conductor Harriet Tubman. It provides important educational programming, guided tours, and national cultural prestige.
Perched on Lake Ontario's southeastern shore, Fair Haven Beach features towering bluffs, sandy public swimming beaches, and extensive camping grounds. It provides vital recreational boating and four-season outdoor access to northern Cayuga County.
Located near Moravia, this scenic gorge park showcases five waterfalls, dramatic hiking trails, and a stream-fed swimming pool. It anchors the southern tier of the county as a prominent natural amenity and regional camping hub.
Data pulled from U.S. Census Bureau QuickFacts and ACS 5-year profile tables for Cayuga County, NY.
applies when — Applies to residential rental property where at least 20% of units are subject to an agreement restricting occupancy to income-qualified tenants.
The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs.
N.Y. Real Property Tax Law Section 581-A
New York is a judicial foreclosure state, meaning the lender must file a lawsuit in court to foreclose on a property. The process typically takes approximately one year from the start of the case to the sale of the home.
New York Real Property Actions and Proceedings Law
applies when — Applies to the sale of residential real property (up to four units).
Sellers are required to provide a Property Condition Disclosure Statement to the buyer. Failure to provide the statement may result in a credit of $500 to the buyer at closing. Knowingly false or incomplete statements may subject the seller to legal claims.
New York Real Property Law Article 14, Section 462
Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions. Owners of one, two, or three-family owner-occupied residential property have the right to Small Claims Assessment Review (SCAR) to challenge assessments.
New York Real Property Tax Law Article 3 and 7
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.