Housing decision brief
Clinton County, NY Housing Market
Clinton County screens as a below-state purchase price, rent that needs comparison, a manageable tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
26th lowest home value out of 62 New York counties with data | 33rd lowest rent out of 62
Median home value
$175,100
Purchase-price signal from Census ACS.
Median rent
$956/mo
Gross rent, including utilities where reported.
Monthly owner cost
$1,009/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.5x
Median home value divided by local household income.
Rent burden
28.0%
Below 30% usually screens as less pressured.
Rent vs own
$53/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Lower purchase price
$175,100 median home value is 2% below New York county median
Rent burden below pressure line
28.00% of renter income goes to rent, below the 30% burden threshold.
What to Check
Lower income base
$69,208 median income is 2% below New York county median
Water quality cross-check
Water quality grade is D. Review water data before treating housing cost as the full story.
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Buyers comparing homes to local incomes
- Remote earners or cash buyers looking below the state price line
Poor Fit For
- Households dependent on a deep local wage market
- Buyers focused only on purchase price and ignoring annual property tax
- Buyers who will not investigate local water systems before moving
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Clinton County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $175,100 | $179,500 | $281,900 | Near state median2% below New York county median |
Median gross rent Lower usually helps affordability. | $956 | $943 | $1,163 | Near state median1% above New York county median |
Monthly owner cost Lower usually helps affordability. | $1,009 | $1,080 | $1,672 | 7% favorable7% below New York county median |
Median household income | $69,208 | $70,695 | $74,755 | Near state median2% below New York county median |
Effective property-tax rate Lower usually helps affordability. | 1.98% | 2.00% | 1.02% | Near state median1% below New York county median |
Rent burden Lower usually helps affordability. | 28.00% | 29.00% | N/A | Near state median28.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$30,968
Median income minus rent threshold.
Owner cushion
+$25,965
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Housing in Clinton County is affordable. The median rent is $956/month against a median household income of $69,208, putting rent at 16.6% of income.
Rent vs own
At $956/month rent versus $1,009/month in owner costs, renting is roughly $53/month cheaper , a 5% difference.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $38,240/year. For owner costs at the 28% rule, the required income is roughly $43,243/year. With a median household income of $69,208, most households can comfortably afford rent here. Notably, 28.0% of renter households in Clinton County are cost-burdened, spending more than 30% of income on housing.
Regional context
Clinton County sits 7% more expensive than Cayuga County ($895/month) in terms of median gross rent.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Otsego County, NY | $175,900 | $942/mo | Same-state comparison near $175,900 home value and $942/mo rent. |
| Oneida County, NY | $171,100 | $917/mo | Same-state comparison near $171,100 home value and $917/mo rent. |
| Schoharie County, NY | $182,000 | $916/mo | Same-state comparison near $182,000 home value and $916/mo rent. |
| Livingston County, NY | $169,600 | $912/mo | Same-state comparison near $169,600 home value and $912/mo rent. |
| Niagara County, NY | $177,400 | $870/mo | Same-state comparison near $177,400 home value and $870/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Clinton County
Is Clinton County affordable for buying a home?
Is renting or owning cheaper in Clinton County?
How much income do you need for housing in Clinton County?
What should I double-check before moving to Clinton County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.