Español

Este sitio también está en español. Leer en español

City · 9,467 residents · Chautauqua County, New York

Fredonia , New York

In Fredonia, a typical home is worth $192,500 and typical rent is $878 a month. Compared with all of Chautauqua County, the typical home value is 51% higher, typical household income is 14% lower, and the share of households that own their home is 15 points lower.

WhatsApp

  • Typical home value

    $192,500

    51% above the county

    55% below New York

    • Fredonia
    • Chautauqua
    • New York

  • Typical rent

    $878a month

    8% above the county

    46% below New York

    • Fredonia
    • Chautauqua
    • New York

  • Typical household income

    $50,433a year

    14% below the county

    41% below New York

    • Fredonia
    • Chautauqua
    • New York

  • Households that own their home

    54%

    15 points below the county

    1 points below New York

    • Fredonia
    • Chautauqua
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$216,693
4.6% more than 12 months ago

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

Fredonia is in Chautauqua 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 Chautauqua County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fredonia apart

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

  1. Nearby, in Salamanca, the typical home value is $80,900: 58% less than in Fredonia ($192,500).

  2. The typical home in Fredonia is worth $192,500, 51% more than in Chautauqua County as a whole ($127,900).

  3. 54% of households in Fredonia own their home, against 69% in Chautauqua County.

  4. Nearby, in Salamanca, the typical rent is $688: 22% less than in Fredonia ($878).

  5. Fredonia has the 20th lowest typical rent of the 333 cities in New York with more than 5,000 people ($878).

  6. Fredonia has the 22nd lowest typical household income of the 350 cities in New York with more than 5,000 people ($50,433).

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

The homes here

Housing in Fredonia

What homes there are in Fredonia, 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 are the majority in Fredonia (53%), but less so than in Chautauqua County (68%).

Year built

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

$1,513 a month

Chautauqua County: $1,193 a month

Without a mortgage

$666 a month

Chautauqua County: $531 a month

Owners with a mortgage

57%

Chautauqua County: 49%

In Fredonia, 57% of owners have a mortgage, and their typical cost is $1,513 a month, against $1,193 in Chautauqua County. Without one it drops to $666.

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

Much as in Chautauqua County, the typical home value in Fredonia rose 47% since 2015–2019.

The typical rent in Fredonia rose 18% over the same time; in Chautauqua County, it rose 23%.

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

MeasureFredoniaChautauqua CountyNew YorkUnited States
Rental vacancy Unreliable estimate6.7%3.8%5.5%
Homeowner vacancy Unreliable estimate1.0%1.1%0.9%
More than one person per room Unreliable estimate1.3%5.3%3.4%
People per household 1.952.262.492.53
Drive alone 66%75%49%69%
Carpool Unreliable estimate11%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 11%5%6%3%
Work from home 12%8%15%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Fredonia are smaller: 1.95 people on average; in Chautauqua County, 2.26.

More people walk or bike to work in Fredonia: 11%, against 5% in Chautauqua County.

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 Fredonia?

A typical home costs more than the typical income allows

We start with a typical home in Fredonia, worth $192,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Fredonia, which is $50,433 a year. For that payment to be 28% of income, a household would need to earn about $78,806 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fredonia. 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 $6,738 (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

$1,839

at 7.18% · 30 years

Loan amount
$189,013
Total interest
$271,945
Paid off in
November 2056

Includes $3,251 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,177 a month

  • Tight

    $1,177 to $1,513 a month

  • Hard

    more than $1,513 a month

    Your payment · 44%

Compared with the typical household income in Fredonia ($50,433 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,839
Principal & interest$1,280
Property tax$393
Home insurance$80
FHA mortgage insurance (MIP)$85

You need at least $6,738 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

Fredonia and Chautauqua County

Fredonia is in Chautauqua 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).

Fredonia's own numbers

Typical home value
$192,500
Typical monthly rent
$878
Typical yearly household income
$50,433
Households that own their home
54%
Effective property tax rate
2.45%

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

Numbers for all of Chautauqua County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+54%

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 Chautauqua County.

Everything about Chautauqua County

Buying

Buying a home in Fredonia

A typical home in Fredonia is worth $192,500: 51% above the county and 55% below New York. With the typical household income in Fredonia ($50,433 a year), a typical home costs 3.8 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.

  • Fredonia 3.8 years
  • Chautauqua 2.2 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chautauqua County

According to FHFA’s house price index, home prices in Chautauqua County rose 87% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +6.9% +6.0% +2.9%
5 years (2020–2025) +54% +52% +47%
10 years (2015–2025) +87% +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

Fredonia next to Chautauqua 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
  • Fredonia $192,500
  • Chautauqua $127,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Fredonia $878
  • Chautauqua $812
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Fredonia $50,433
  • Chautauqua $58,351
  • New York $85,974
  • United States $80,734
See the full table
Fredonia next to Chautauqua County and New York
Measure Fredonia Chautauqua County New York U.S.
Typical home value $192,500 $127,900 $423,800 $332,700
Typical monthly rent $878 $812 $1,621 $1,413
Typical yearly household income $50,433 $58,351 $85,974 $80,734
Households that own their home 54% 69% 54% 65%
Typical yearly property tax $4,725 $2,901 $6,582 $3,119
Effective property tax rate 2.45% 2.27% 1.55% 0.94%
Renters with high rent for their income 61% 50% 52% 51%

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

For a typical $192,500 home in Fredonia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fredonia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,839a month

    Least cash to close
    Down payment
    $6,738
    Cash to close
    $12,513
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $85

  • Conventional, 5% down $1,804a month

    Down payment
    $9,625
    Cash to close
    $15,400
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,516a month

    Down payment
    $38,500
    Cash to close
    $44,275
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,694a month

    Down payment
    $28,875
    Cash to close
    $34,650
    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 Fredonia and for Chautauqua County.

Property tax

Effective rate in Fredonia

2.45%of the home’s value each year

$4,725 a year for the typical owner in Fredonia.

  • Fredonia 2.45%
  • Chautauqua 2.27%
  • 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 Chautauqua County

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

FEMA’s maps count no homes in the high-risk zone in Chautauqua County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fredonia

Typical rent in Fredonia is $878 a month: 8% above the county. In Fredonia, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chautauqua County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Chautauqua 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 $706 $13.58 $28,240
1 bedroom $786 $15.12 $31,440
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,338 $25.73 $53,520
4 bedrooms $1,393 $26.79 $55,720

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 Fredonia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fredonia is in ZIP code 14063.

For 2 bedrooms it is $1,070: $56 more than the fair market rent for Chautauqua County ($1,014).

  • 14063 $1,070$1,410

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fredonia 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 Fredonia

HUD lists 7 buildings with rents for lower incomes in Fredonia. These are the largest.

  • Green Acres Apts 102 Wisteria Dr, Fredonia 14063 101 homes, 100 low-income · 1 bd: 28 · 2 bd: 49 · 3 bd: 22 · 4 bd: 2 · In service since 2012 · For families (716) 679-7733
  • One Temple Square Apartments 1 Temple Sq, Fredonia 14063 91 low-income homes · For older adults
  • Concord Estates 441 Temple St, Fredonia 14063 40 homes, 39 low-income · For older adults (716) 672-2300
  • Fredonia Commons 450 Temple St, Fredonia 14063 36 low-income homes · 1 bd: 12 · 2 bd: 24 · In service since 2004 · For families
  • Fredonia Special Needs Sro 4883 W Main Rd, Fredonia 14063 24 low-income homes · Studio: 24 · In service since 2008 · For older adults, people with disabilities, people experiencing homelessness

See all 36 buildings in Chautauqua County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fredonia

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 3 HUD-approved agencies with an office in Chautauqua County; 1 says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Fredonia

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

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

Housing counselors near Fredonia

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

  • Chautauqua Opportunities, Incorporated

    17 W Courtney St, Dunkirk · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (716) 661-9430

  • Chautauqua Home Rehabilitation and Improvement Corp. (CHRIC)

    2 Academy St, Mayville · 16 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (716) 753-4650

  • Chautauqua Opportunities, Incorporated

    402 Chandler Street, Jamestown · 24 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (716) 661-9430

Every agency in Chautauqua County All counseling agencies in New York

Help in Spanish near Fredonia

1 of the 3 agencies on this list says it serves 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 Fredonia

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

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

Cities

Other cities in Chautauqua County

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

Everything about Chautauqua County Housing in New York

Nearby cities

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

Neighboring counties

If Chautauqua 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 Fredonia.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Fredonia

Short answers with the numbers for Fredonia and all of Chautauqua 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 Fredonia?

The typical home value in Fredonia is $192,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chautauqua County it is $127,900.

How much does it cost to rent in Fredonia?

Typical rent in Fredonia is $878 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chautauqua County is $1,014.

What is the FHA loan limit in Fredonia?

Fredonia uses the FHA limit for all of Chautauqua 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 Fredonia?

The typical homeowner in Fredonia pays $4,725 a year, according to the U.S. Census Bureau. That is 2.45% of the home’s value; in Chautauqua County, the rate is 2.27%.

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

There are 3 HUD-approved counseling agencies with an office in Chautauqua County. 1 says it serves 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).