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City · 9,724 residents · Onondaga County, New York

Fairmount , New York

In Fairmount, a typical home is worth $184,000 and typical rent is $1,341 a month. Compared with all of Onondaga County, typical rent is 21% higher, typical household income is 9% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $184,000

    8% below the county

    57% below New York

    • Fairmount
    • Onondaga
    • New York

  • Typical rent

    $1,341a month

    21% above the county

    17% below New York

    • Fairmount
    • Onondaga
    • New York

  • Typical household income

    $84,225a year

    9% above the county

    2% below New York

    • Fairmount
    • Onondaga
    • New York

  • Households that own their home

    82%

    16 points above the county

    27 points above New York

    • Fairmount
    • Onondaga
    • New York

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

Fairmount is in Onondaga 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 Onondaga County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fairmount apart

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

  1. Nearby, in Mattydale, the typical home value is $121,900: 34% less than in Fairmount ($184,000).

  2. Nearby, in Solvay, the typical rent is $946: 29% less than in Fairmount ($1,341).

  3. 82% of households in Fairmount own their home, against 66% in Onondaga County.

  4. The typical rent in Fairmount is $1,341 a month, 21% more than in Onondaga County as a whole ($1,108).

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

The homes here

Housing in Fairmount

What homes there are in Fairmount, 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

Detached houses, standing on their own, make up 84% of homes here, against 64% in Onondaga County.

Year built

By age, homes in Fairmount look like those in Onondaga County: the typical year built is 1961.

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

With a mortgage

$1,618 a month

Onondaga County: $1,641 a month

Without a mortgage

$586 a month

Onondaga County: $708 a month

Owners with a mortgage

64%

Onondaga County: 60%

Owning costs about the same in Fairmount as in Onondaga County: with a mortgage, $1,618 a month; without one, $586.

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

From 2015–2019 to 2020–2024, the typical home value in Fairmount rose 41%; in Onondaga County, it rose 38%.

Rents in Fairmount rose at about the same pace as in Onondaga County: 26% since 2015–2019, against 27%.

Here income did not keep up with housing: it rose 21%, while home values changed +41% and rent +26%.

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

MeasureFairmountOnondaga CountyNew YorkUnited States
Rental vacancy Unreliable estimate3.4%3.8%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room Unreliable estimate1.6%5.3%3.4%
People per household 2.262.262.492.53
Drive alone 83%72%49%69%
Carpool Unreliable estimate8%6%9%
Public transit Unreliable estimate2%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 12%13%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Onondaga County, a household in Fairmount has 2.26 people on average.

In Fairmount, 83% of workers drive alone to work; in Onondaga County, 72%.

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 Fairmount?

A typical home is within reach of the typical income

We start with a typical home in Fairmount, worth $184,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Fairmount, which is $84,225 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fairmount. 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 $6,440 (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

$1,788

at 7.18% · 30 years

Loan amount
$180,667
Total interest
$259,938
Paid off in
November 2056

Includes $3,107 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,965 a month

    Your payment · 25%

  • Tight

    $1,965 to $2,527 a month

  • Hard

    more than $2,527 a month

Compared with the typical household income in Fairmount ($84,225 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,788
Principal & interest$1,224
Property tax$406
Home insurance$77
FHA mortgage insurance (MIP)$81

You need at least $6,440 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

Fairmount and Onondaga County

Fairmount is in Onondaga 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).

Fairmount's own numbers

Typical home value
$184,000
Typical monthly rent
$1,341
Typical yearly household income
$84,225
Households that own their home
82%
Effective property tax rate
2.65%

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

Numbers for all of Onondaga County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,493
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
1.9%

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 Onondaga County.

Everything about Onondaga County

Buying

Buying a home in Fairmount

A typical home in Fairmount is worth $184,000: 8% below the county and 57% below New York. With the typical household income in Fairmount ($84,225 a year), a typical home costs 2.2 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.

  • Fairmount 2.2 years
  • Onondaga 2.6 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Onondaga County

According to FHFA’s house price index, home prices in Onondaga County rose 102% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +7.5% +6.0% +2.9%
5 years (2020–2025) +67% +52% +47%
10 years (2015–2025) +102% +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

Fairmount next to Onondaga 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
  • Fairmount $184,000
  • Onondaga $200,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Fairmount $1,341
  • Onondaga $1,108
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Fairmount $84,225
  • Onondaga $76,945
  • New York $85,974
  • United States $80,734
See the full table
Fairmount next to Onondaga County and New York
Measure Fairmount Onondaga County New York U.S.
Typical home value $184,000 $200,200 $423,800 $332,700
Typical monthly rent $1,341 $1,108 $1,621 $1,413
Typical yearly household income $84,225 $76,945 $85,974 $80,734
Households that own their home 82% 66% 54% 65%
Typical yearly property tax $4,873 $4,880 $6,582 $3,119
Effective property tax rate 2.65% 2.44% 1.55% 0.94%
Renters with high rent for their income 48% 50% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Onondaga 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 Fairmount

For a typical $184,000 home in Fairmount, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fairmount's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,788a month

    Least cash to close
    Down payment
    $6,440
    Cash to close
    $11,960
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $81

  • Conventional, 5% down $1,755a month

    Down payment
    $9,200
    Cash to close
    $14,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $87

  • Conventional, 20% down, no PMI $1,480a month

    Down payment
    $36,800
    Cash to close
    $42,320
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,650a month

    Down payment
    $27,600
    Cash to close
    $33,120
    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 Fairmount and for Onondaga County.

Property tax

Effective rate in Fairmount

2.65%of the home’s value each year

$4,873 a year for the typical owner in Fairmount.

  • Fairmount 2.65%
  • Onondaga 2.44%
  • 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 Onondaga County

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

Homes in the high-risk zone
1.9%
2,978
Of those, with NFIP insurance
28%
County New York U.S.
Homes in the high-risk zone 1.9% 2% 3.5%
Of those, with NFIP insurance 28% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fairmount

Typical rent in Fairmount is $1,341 a month: 21% above the county. In Fairmount, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Onondaga County, by unit size. To pay the 2-bedroom one ($1,493 a month) without spending more than 30% of your income, you would need to earn $28.71 an hour working full time.

HUD fair market rent for all of Onondaga 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 $1,050 $20.19 $42,000
1 bedroom $1,196 $23.00 $47,840
2 bedrooms $1,493 $28.71 $59,720
3 bedrooms $1,808 $34.77 $72,320
4 bedrooms $1,962 $37.73 $78,480

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 Fairmount

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

For 2 bedrooms it runs from $1,510 in 13219 to $1,820 in 13031.

2 of the 2 are above the fair market rent for Onondaga County ($1,493).

  • 13031 $1,820$2,200
  • 13219 $1,510$1,830

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fairmount 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?

Free help

Help to buy or rent in Fairmount

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.

There are 2 HUD-approved agencies with an office in Onondaga County; 2 say they serve in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Fairmount

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

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

Housing counselors near Fairmount

The HUD-approved agencies closest to the center of Fairmount, 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 · 4 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 · 7 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 · 21 miles away

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

Every agency in Onondaga County All counseling agencies in New York

Help in Spanish near Fairmount

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 Fairmount

In HUD’s record, no housing authority with an office in Onondaga County is named for Fairmount or Onondaga County.

3 other authorities have an office in Onondaga County: see the list Source: HUD

Cities

Other cities in Onondaga County

These cities are also in Onondaga County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Onondaga County Housing in New York

Nearby cities

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

Neighboring counties

If Onondaga 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 Fairmount.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Fairmount

Short answers with the numbers for Fairmount and all of Onondaga 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 Fairmount?

The typical home value in Fairmount is $184,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Onondaga County it is $200,200.

How much does it cost to rent in Fairmount?

Typical rent in Fairmount is $1,341 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Onondaga County is $1,493.

What is the FHA loan limit in Fairmount?

Fairmount uses the FHA limit for all of Onondaga 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 Fairmount?

The typical homeowner in Fairmount pays $4,873 a year, according to the U.S. Census Bureau. That is 2.65% of the home’s value; in Onondaga County, the rate is 2.44%.

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

There are 2 HUD-approved counseling agencies with an office in Onondaga County. 2 say they serve in Spanish. 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).