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City · 26,285 residents · Cayuga County, New York

Auburn , New York

In Auburn, a typical home is worth $152,800 and typical rent is $897 a month. Compared with all of Cayuga County, typical household income is 25% lower, the typical home value is 11% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $152,800

    11% below the county

    64% below New York

    • Auburn
    • Cayuga
    • New York

  • Typical rent

    $897a month

    5% below the county

    45% below New York

    • Auburn
    • Cayuga
    • New York

  • Typical household income

    $51,052a year

    25% below the county

    41% below New York

    • Auburn
    • Cayuga
    • New York

  • Households that own their home

    49%

    23 points below the county

    6 points below New York

    • Auburn
    • Cayuga
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$226,072
5.9% more than 12 months ago
Typical rent
$1,417 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Auburn is in Cayuga County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cayuga County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Auburn apart

What this place has that others do not, from public data, most unusual first.

  1. 49% of households in Auburn own their home, against 71% in Cayuga County.

  2. The typical household income in Auburn is $51,052, 25% less than in Cayuga County as a whole ($67,904).

  3. Nearby, in Seneca Falls, the typical home value is $123,700: 19% less than in Auburn ($152,800).

  4. Auburn has the 25th lowest typical rent of the 333 cities in New York with more than 5,000 people ($897).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Auburn

What homes there are in Auburn, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes in Auburn are varied: detached houses are the largest group, at 46%, against 67% in Cayuga County.

Year built

The typical home in Auburn was built in 1947, 11 years before the typical one in Cayuga County.

In Auburn, 20% of homes have 1 bedroom or none (studios); 52% have 3 bedrooms or more, against 65% in Cayuga County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,074), about 63% of rented homes in Auburn cost less.

With a mortgage

$1,424 a month

Cayuga County: $1,539 a month

Without a mortgage

$662 a month

Cayuga County: $669 a month

Owners with a mortgage

57%

Cayuga County: 53%

The typical cost for an owner with a mortgage in Auburn is $1,424 a month, less than in Cayuga County ($1,539); without one, $662.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Auburn gained value faster than in Cayuga County: 50% against 34%.

Since 2015–2019, the typical rent in Auburn rose 19%, less than in Cayuga County (24%).

Here income did not keep up with housing: it rose 16%, while home values changed +50% and rent +19%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAuburnCayuga CountyNew YorkUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.8%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room Unreliable estimate1.2%5.3%3.4%
People per household 2.042.262.492.53
Drive alone 75%79%49%69%
Carpool 11%8%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 5%4%6%3%
Work from home 6%8%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Auburn are smaller: 2.04 people on average; in Cayuga County, 2.26.

To get to work, 75% of workers in Auburn drive alone; in Cayuga County, 79%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Auburn?

A typical home is tight for the typical income

We start with a typical home in Auburn, worth $152,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Auburn, which is $51,052 a year. For that payment to be 28% of income, a household would need to earn about $63,481 a year.

The calculator's FHA and conventional loan limits are those of all of Cayuga County.

Your numbers

Local data
$

Starts at the typical home value in Auburn. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,348 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,481

at 7.18% · 30 years

Loan amount
$150,032
Total interest
$215,861
Paid off in
November 2056

Includes $2,580 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,191 a month

  • Tight

    $1,191 to $1,532 a month

    Your payment · 35%

  • Hard

    more than $1,532 a month

Compared with the typical household income in Auburn ($51,052 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,481
Principal & interest$1,016
Property tax$334
Home insurance$64
FHA mortgage insurance (MIP)$68

You need at least $5,348 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Auburn and Cayuga County

Auburn is in Cayuga County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Auburn's own numbers

Typical home value
$152,800
Typical monthly rent
$897
Typical yearly household income
$51,052
Households that own their home
49%
Effective property tax rate
2.62%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Cayuga County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,074
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
4.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Cayuga County.

Everything about Cayuga County

Buying

Buying a home in Auburn

A typical home in Auburn is worth $152,800: 11% below the county and 64% below New York. With the typical household income in Auburn ($51,052 a year), a typical home costs 3.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Auburn 3.0 years
  • Cayuga 2.5 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cayuga County

According to FHFA’s house price index, home prices in Cayuga County rose 78% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Cayuga County.

Period County New York U.S.
Last year (2025) +3.0% +6.0% +2.9%
5 years (2020–2025) +52% +52% +47%
10 years (2015–2025) +78% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Auburn next to Cayuga County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Auburn $152,800
  • Cayuga $171,000
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Auburn $897
  • Cayuga $942
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Auburn $51,052
  • Cayuga $67,904
  • New York $85,974
  • United States $80,734
See the full table
Auburn next to Cayuga County and New York
Measure Auburn Cayuga County New York U.S.
Typical home value $152,800 $171,000 $423,800 $332,700
Typical monthly rent $897 $942 $1,621 $1,413
Typical yearly household income $51,052 $67,904 $85,974 $80,734
Households that own their home 49% 71% 54% 65%
Typical yearly property tax $3,998 $3,740 $6,582 $3,119
Effective property tax rate 2.62% 2.19% 1.55% 0.94%
Renters with high rent for their income 55% 50% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cayuga County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Auburn

For a typical $152,800 home in Auburn, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Auburn's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,481a month

    Least cash to close
    Down payment
    $5,348
    Cash to close
    $9,932
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $68

  • Conventional, 5% down $1,453a month

    Down payment
    $7,640
    Cash to close
    $12,224
    Rate
    7.18%
    Mortgage insurance
    PMI · $73

  • Conventional, 20% down, no PMI $1,225a month

    Down payment
    $30,560
    Cash to close
    $35,144
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,367a month

    Down payment
    $22,920
    Cash to close
    $27,504
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Auburn and for Cayuga County.

Property tax

Effective rate in Auburn

2.62%of the home’s value each year

$3,998 a year for the typical owner in Auburn.

  • Auburn 2.62%
  • Cayuga 2.19%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Cayuga County

FEMA does not publish these numbers by city: they are for all of Cayuga County.

Homes in the high-risk zone
4.3%
1,364
Of those, with NFIP insurance
17%
County New York U.S.
Homes in the high-risk zone 4.3% 2% 3.5%
Of those, with NFIP insurance 17% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Auburn

Typical rent in Auburn is $897 a month: 5% below the county. In Auburn, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cayuga County, by unit size. To pay the 2-bedroom one ($1,074 a month) without spending more than 30% of your income, you would need to earn $20.65 an hour working full time.

HUD fair market rent for all of Cayuga County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $872 $16.77 $34,880
1 bedroom $877 $16.87 $35,080
2 bedrooms $1,074 $20.65 $42,960
3 bedrooms $1,424 $27.38 $56,960
4 bedrooms $1,637 $31.48 $65,480

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Auburn

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Auburn has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,100 in 13024 to $1,260 in 13021.

2 of the 2 are above the fair market rent for Cayuga County ($1,074).

  • 13021 $1,260$1,530
  • 13024 $1,100$1,460

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Auburn when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Auburn

HUD lists 13 buildings with rents for lower incomes in Auburn. These are the largest.

  • Edward T Boyle Center 149 Genesee St, Auburn 13021 151 homes, 150 low-income · For older adults (315) 253-0335
  • Oak Creek Town Homes/Auburn CT. 101 Quill Ave, Auburn 13021 150 homes, 140 low-income · 1 bd: 30 · 2 bd: 71 · 3 bd: 49
  • Stryker Homes Apartments 2 Loop Rd, Auburn 13021 103 homes, 102 low-income · For older adults (315) 252-4050
  • Auburn and Northbrook Apartments, LLC 507 Austin Dr, Auburn 13021 100 homes, 99 low-income · For families (315) 252-7171
  • Melone Village Phase I 91 Garrow St, Auburn 13021 62 low-income homes · 1 bd: 17 · 2 bd: 4 · 3 bd: 30 · 4 bd: 11 · In service since 2019

See all 14 buildings in Cayuga County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Auburn

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Cayuga County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Auburn

No down payment, repair or rent-help program on our list is for Auburn or Cayuga County. The ones below are statewide in New York: they work in Auburn the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Auburn

The HUD-approved agencies closest to the center of Auburn, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Home Headquarters, Inc.

    625 Erie Blvd W, Syracuse · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (315) 474-1939

  • Syracuse Cooperative Federal Credit Union

    1816 Erie Blvd E, Syracuse · 24 miles away · Spanish

    Also serves in Swahili.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (315) 476-5290

  • City of Fulton Community Development Agency

    125 W Broadway, Fulton · 27 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (315) 593-7166

All counseling agencies in New York

Help in Spanish near Auburn

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Auburn

HUD’s record names them for Auburn or Cayuga County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Auburn Housing Authority Public housing and Section 8 vouchers (315) 253-6249

All housing agencies in New York Source: HUD

Cities

Nearby cities

The cities closest to Auburn, with the typical home value.

Everything about Cayuga County Housing in New York

Neighboring counties

If Cayuga County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Auburn.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Auburn

Short answers with the numbers for Auburn and all of Cayuga County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Auburn?

The typical home value in Auburn is $152,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cayuga County it is $171,000.

How much does it cost to rent in Auburn?

Typical rent in Auburn is $897 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cayuga County is $1,074.

What is the FHA loan limit in Auburn?

Auburn uses the FHA limit for all of Cayuga County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Auburn?

The typical homeowner in Auburn pays $3,998 a year, according to the U.S. Census Bureau. That is 2.62% of the home’s value; in Cayuga County, the rate is 2.19%.

Where can I find free help to buy or rent in Auburn?

We found no HUD-approved counseling agencies with an office in Cayuga County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).