What income do you need to buy a house in Ilion, NY?

It takes about $45,000/yr to afford the typical Ilion, NY home ($160K, +7.4% past year) at today's rates. Starter homes run around $111K. See if you can afford a house in Ilion (2026 data) — free, no signup.

Market snapshot (2026-06)

• Income needed to buy the typical home: about $45,000/yr (28% front-end ratio, 20% down, 6.66% 30-yr fixed, NY property tax and insurance)
• Typical home value: $160K (Zillow ZHVI, 2026-06)
• 1-year change: +7.4%
• Bottom 35% of homes: $111K
• Top 35% of homes start around: $239K
• Median household income: $63K
• Price-to-income ratio: 2.5
• Estimated payment on the typical home: $821/mo principal & interest (20% down, 6.66% 30-yr fixed)

Nearby housing markets

• Utica, NY — typical home $213K
• Rome, NY — typical home $216K
• Oneida, NY — typical home $222K
• Johnstown, NY — typical home $209K
• Gloversville, NY — typical home $185K
• Amsterdam, NY — typical home $248K

The most affordable cities to buy a house in New York

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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