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City · 14,962 residents · Fulton County, New York

Gloversville , New York

In Gloversville, a typical home is worth $106,400 and typical rent is $903 a month. Compared with all of Fulton County, the typical home value is 35% lower, typical household income is 23% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $106,400

    35% below the county

    75% below New York

    • Gloversville
    • Fulton
    • New York

  • Typical rent

    $903a month

    About the same as the county

    44% below New York

    • Gloversville
    • Fulton
    • New York

  • Typical household income

    $51,556a year

    23% below the county

    40% below New York

    • Gloversville
    • Fulton
    • New York

  • Households that own their home

    52%

    20 points below the county

    3 points below New York

    • Gloversville
    • Fulton
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$183,503
5.7% more than 12 months ago
Typical rent
$1,000 a month

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

Gloversville is in Fulton 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 Fulton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gloversville apart

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

  1. Gloversville has the 12th lowest typical home value of the 348 cities in New York with more than 5,000 people ($106,400).

  2. 52% of households in Gloversville own their home, against 71% in Fulton County.

  3. The typical household income in Gloversville is $51,556, 23% less than in Fulton County as a whole ($66,533).

  4. Gloversville has the 28th lowest typical rent of the 333 cities in New York with more than 5,000 people ($903).

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

The homes here

Housing in Gloversville

What homes there are in Gloversville, 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

No kind of home is the majority in Gloversville; the largest group, detached houses, adds up to 46%, less than in Fulton County (66%).

Year built

The typical home in Gloversville was built before 1940, the oldest group the Census tells apart; 76% of homes date from before 1960.

Homes in Gloversville are smaller: 47% have 3 bedrooms or more; in Fulton County, 57%.

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

About 68% of rented homes in Gloversville cost less than HUD's 2-bedroom fair market rent for Fulton County ($1,051).

With a mortgage

$1,168 a month

Fulton County: $1,469 a month

Without a mortgage

$565 a month

Fulton County: $611 a month

Owners with a mortgage

59%

Fulton County: 52%

In Gloversville, 59% of owners have a mortgage, and their typical cost is $1,168 a month, against $1,469 in Fulton County. Without one it drops to $565.

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

Homes in Gloversville gained value more slowly than in Fulton County: 40% since 2015–2019, against 49%.

Rents in Gloversville rose at about the same pace as in Fulton County: 20% since 2015–2019, against 17%.

To compare: typical income in Gloversville rose 33%; the home, +40%; the rent, +20%.

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

MeasureGloversvilleFulton CountyNew YorkUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate0.9%5.3%3.4%
People per household 2.172.232.492.53
Drive alone 78%81%49%69%
Carpool 12%8%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 5%3%6%3%
Work from home 4%7%15%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Fulton County, a household in Gloversville has 2.17 people on average.

More people carpool to work in Gloversville than in Fulton County: 12% against 8%.

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 Gloversville?

A typical home is within reach of the typical income

We start with a typical home in Gloversville, worth $106,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Gloversville, which is $51,556 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gloversville. 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 $3,724 (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

$1,049

at 7.18% · 30 years

Loan amount
$104,473
Total interest
$150,312
Paid off in
November 2056

Includes $1,797 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,203 a month

    Your payment · 24%

  • Tight

    $1,203 to $1,547 a month

  • Hard

    more than $1,547 a month

Compared with the typical household income in Gloversville ($51,556 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,049
Principal & interest$708
Property tax$250
Home insurance$44
FHA mortgage insurance (MIP)$47

You need at least $3,724 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

Gloversville and Fulton County

Gloversville is in Fulton 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).

Gloversville's own numbers

Typical home value
$106,400
Typical monthly rent
$903
Typical yearly household income
$51,556
Households that own their home
52%
Effective property tax rate
2.82%

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

Numbers for all of Fulton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,051
Price change over 5 years (FHFA)
+60%

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 Fulton County.

Everything about Fulton County

Buying

Buying a home in Gloversville

A typical home in Gloversville is worth $106,400: 35% below the county and 75% below New York. With the typical household income in Gloversville ($51,556 a year), a typical home costs 2.1 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.

  • Gloversville 2.1 years
  • Fulton 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 Fulton County

According to FHFA’s house price index, home prices in Fulton County rose 82% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +10.6% +6.0% +2.9%
5 years (2020–2025) +60% +52% +47%
10 years (2015–2025) +82% +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

Gloversville next to Fulton 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
  • Gloversville $106,400
  • Fulton $163,100
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Gloversville $903
  • Fulton $912
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Gloversville $51,556
  • Fulton $66,533
  • New York $85,974
  • United States $80,734
See the full table
Gloversville next to Fulton County and New York
Measure Gloversville Fulton County New York U.S.
Typical home value $106,400 $163,100 $423,800 $332,700
Typical monthly rent $903 $912 $1,621 $1,413
Typical yearly household income $51,556 $66,533 $85,974 $80,734
Households that own their home 52% 71% 54% 65%
Typical yearly property tax $2,996 $3,364 $6,582 $3,119
Effective property tax rate 2.82% 2.06% 1.55% 0.94%
Renters with high rent for their income 43% 41% 52% 51%

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

For a typical $106,400 home in Gloversville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gloversville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,049a month

    Least cash to close
    Down payment
    $3,724
    Cash to close
    $6,916
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $47

  • Conventional, 5% down $1,030a month

    Down payment
    $5,320
    Cash to close
    $8,512
    Rate
    7.18%
    Mortgage insurance
    PMI · $51

  • Conventional, 20% down, no PMI $871a month

    Down payment
    $21,280
    Cash to close
    $24,472
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $969a month

    Down payment
    $15,960
    Cash to close
    $19,152
    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 Gloversville and for Fulton County.

Property tax

Effective rate in Gloversville

2.82%of the home’s value each year

$2,996 a year for the typical owner in Gloversville.

  • Gloversville 2.82%
  • Fulton 2.06%
  • 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 Fulton County

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

FEMA’s maps count no homes in the high-risk zone in Fulton 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 Gloversville

Typical rent in Gloversville is $903 a month: about the same as the county. In Gloversville, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Fulton County, by unit size. To pay the 2-bedroom one ($1,051 a month) without spending more than 30% of your income, you would need to earn $20.21 an hour working full time.

HUD fair market rent for all of Fulton 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 $770 $14.81 $30,800
1 bedroom $803 $15.44 $32,120
2 bedrooms $1,051 $20.21 $42,040
3 bedrooms $1,252 $24.08 $50,080
4 bedrooms $1,427 $27.44 $57,080

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 Gloversville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gloversville is in ZIP code 12078.

For 2 bedrooms it is $1,080: $29 more than the fair market rent for Fulton County ($1,051).

  • 12078 $1,080$1,290

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

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

  • Forest Hill Towers 31 Forest St, Gloversville 12078 117 homes, 108 low-income · Run by Gloversville Housing Authority · Average payment: $392 a month · Average wait: 13 months (518) 773-7308
  • Kingsboro Towers 2 Frontage Rd, Gloversville 12078 100 low-income homes · Run by Gloversville Housing Authority · Average payment: $374 a month · Average wait: 6 months (518) 773-7308
  • Dubois Gardens 49 Homestead Dr, Gloversville 12078 85 low-income homes · Run by Gloversville Housing Authority · Average payment: $443 a month · Average wait: 12 months (518) 773-7308
  • Gloversville Apts 1 Santos Dr, Gloversville 12078 48 low-income homes · 1 bd: 8 · 2 bd: 32 · 3 bd: 8 · In service since 2013
  • Kingsborough Apartments 34 S Main St, Gloversville 12078 40 homes, 38 low-income · 1 bd: 11 · 2 bd: 29 · In service since 2016

See all 9 buildings in Fulton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gloversville

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 Fulton County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Gloversville

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

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

Housing counselors near Gloversville

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

  • BETTER COMMUNITY NEIGHBORHOODS, INC. (formerly Better Neighborhoods, Inc.)

    816 Union St, Schenectady · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (518) 372-7616

  • Albany County Rural Housing Alliance, Inc.

    24 Martin Rd, Voorheesville · 34 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (518) 765-2425

  • Troy Rehabilitation and Improvement Program

    415 River St Ste 2, Troy · 40 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (518) 690-0020

All counseling agencies in New York

Help in Spanish near Gloversville

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 Gloversville

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

  • Gloversville Housing Authority Public housing and Section 8 vouchers (518) 773-7308

All housing agencies in New York Source: HUD

Cities

Other cities in Fulton County

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

Everything about Fulton County Housing in New York

Nearby cities

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

Neighboring counties

If Fulton 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 Gloversville.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Gloversville

Short answers with the numbers for Gloversville and all of Fulton 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 Gloversville?

The typical home value in Gloversville is $106,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fulton County it is $163,100.

How much does it cost to rent in Gloversville?

Typical rent in Gloversville is $903 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fulton County is $1,051.

What is the FHA loan limit in Gloversville?

Gloversville uses the FHA limit for all of Fulton 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 Gloversville?

The typical homeowner in Gloversville pays $2,996 a year, according to the U.S. Census Bureau. That is 2.82% of the home’s value; in Fulton County, the rate is 2.06%.

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

We found no HUD-approved counseling agencies with an office in Fulton 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).