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City · 28,188 residents · Chautauqua County, New York

Jamestown , New York

In Jamestown, a typical home is worth $87,700 and typical rent is $759 a month. Compared with all of Chautauqua County, the typical home value is 31% lower, typical household income is 25% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $87,700

    31% below the county

    79% below New York

    • Jamestown
    • Chautauqua
    • New York

  • Typical rent

    $759a month

    7% below the county

    53% below New York

    • Jamestown
    • Chautauqua
    • New York

  • Typical household income

    $43,523a year

    25% below the county

    49% below New York

    • Jamestown
    • Chautauqua
    • New York

  • Households that own their home

    49%

    20 points below the county

    5 points below New York

    • Jamestown
    • Chautauqua
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$127,545
3.1% more than 12 months ago
Typical rent
$985 a month

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

Jamestown 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 Jamestown apart

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

  1. Jamestown has the 5th lowest typical home value of the 348 cities in New York with more than 5,000 people ($87,700).

  2. Jamestown has the 6th lowest typical rent of the 333 cities in New York with more than 5,000 people ($759).

  3. Jamestown has the 7th lowest typical household income of the 350 cities in New York with more than 5,000 people ($43,523).

  4. 49% of households in Jamestown own their home, against 69% in Chautauqua County.

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

The homes here

Housing in Jamestown

What homes there are in Jamestown, 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 Jamestown (52%), but less so than in Chautauqua County (68%).

Year built

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

There are fewer big homes in Jamestown than in Chautauqua County: 48% have 3 bedrooms or more, against 60%.

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 75% of rented homes in Jamestown cost less than HUD's 2-bedroom fair market rent for Chautauqua County ($1,014).

With a mortgage

$974 a month

Chautauqua County: $1,193 a month

Without a mortgage

$472 a month

Chautauqua County: $531 a month

Owners with a mortgage

50%

Chautauqua County: 49%

In Jamestown, 50% of owners have a mortgage, and their typical cost is $974 a month, against $1,193 in Chautauqua County. Without one it drops to $472.

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

The typical home value in Jamestown rose 39% since 2015–2019, less than in Chautauqua County (45%).

Rents in Jamestown rose at about the same pace as in Chautauqua County: 23% since 2015–2019, against 23%.

While home values in Jamestown changed +39% and rent +23%, the typical household income rose 30%.

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

MeasureJamestownChautauqua CountyNew YorkUnited States
Rental vacancy 8.4%6.7%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 2.192.262.492.53
Drive alone 70%75%49%69%
Carpool 12%11%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 5%5%6%3%
Work from home 9%8%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Jamestown: 8.4% is empty and offered for rent, against 6.7% in Chautauqua County.

A household in Jamestown has 2.19 people on average, about the same as in Chautauqua County (2.26).

To get to work, 70% of workers in Jamestown drive alone; in Chautauqua County, 75%.

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 Jamestown?

A typical home is within reach of the typical income

We start with a typical home in Jamestown, worth $87,700, 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 Jamestown, which is $43,523 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 Jamestown. 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 $3,070 (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

$863

at 7.18% · 30 years

Loan amount
$86,111
Total interest
$123,894
Paid off in
November 2056

Includes $1,481 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,016 a month

    Your payment · 24%

  • Tight

    $1,016 to $1,306 a month

  • Hard

    more than $1,306 a month

Compared with the typical household income in Jamestown ($43,523 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$863
Principal & interest$583
Property tax$205
Home insurance$37
FHA mortgage insurance (MIP)$39

You need at least $3,070 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

Jamestown and Chautauqua County

Jamestown 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).

Jamestown's own numbers

Typical home value
$87,700
Typical monthly rent
$759
Typical yearly household income
$43,523
Households that own their home
49%
Effective property tax rate
2.8%

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 Jamestown

A typical home in Jamestown is worth $87,700: 31% below the county and 79% below New York. With the typical household income in Jamestown ($43,523 a year), a typical home costs 2.0 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.

  • Jamestown 2.0 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

Jamestown 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
  • Jamestown $87,700
  • Chautauqua $127,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Jamestown $759
  • Chautauqua $812
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Jamestown $43,523
  • Chautauqua $58,351
  • New York $85,974
  • United States $80,734
See the full table
Jamestown next to Chautauqua County and New York
Measure Jamestown Chautauqua County New York U.S.
Typical home value $87,700 $127,900 $423,800 $332,700
Typical monthly rent $759 $812 $1,621 $1,413
Typical yearly household income $43,523 $58,351 $85,974 $80,734
Households that own their home 49% 69% 54% 65%
Typical yearly property tax $2,453 $2,901 $6,582 $3,119
Effective property tax rate 2.8% 2.27% 1.55% 0.94%
Renters with high rent for their income 52% 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 Jamestown

For a typical $87,700 home in Jamestown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jamestown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $863a month

    Least cash to close
    Down payment
    $3,070
    Cash to close
    $5,701
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $39

  • Conventional, 5% down $847a month

    Down payment
    $4,385
    Cash to close
    $7,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $42

  • Conventional, 20% down, no PMI $716a month

    Down payment
    $17,540
    Cash to close
    $20,171
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $798a month

    Down payment
    $13,155
    Cash to close
    $15,786
    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 Jamestown and for Chautauqua County.

Property tax

Effective rate in Jamestown

2.8%of the home’s value each year

$2,453 a year for the typical owner in Jamestown.

  • Jamestown 2.8%
  • 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 Jamestown

Typical rent in Jamestown is $759 a month: 7% below the county. In Jamestown, 52% 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 Jamestown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jamestown is in ZIP code 14701.

For 2 bedrooms it is $1,010: $4 less than the fair market rent for Chautauqua County ($1,014).

  • 14701 $1,010$1,350

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

HUD lists 17 buildings with rents for lower incomes in Jamestown. These are the largest.

  • Hotel Jamestown & High Rise 110 W 3rd St, Jamestown 14701 214 low-income homes · Run by Jamestown Housing Authority · Average payment: $378 a month · Average wait: 3 months (716) 664-3345
  • Silvertree Seniors of Jamestown 145 Chandler St, Jamestown 14701 198 low-income homes · For older adults (716) 665-8197
  • Bradmar Village 11A 11th St, Jamestown 14701 100 homes, 99 low-income · For families (716) 484-1015
  • Covenant Manor 23 W 3rd St, Jamestown 14701 88 homes, 87 low-income · For older adults (716) 664-3208
  • Covenant Manor 1123 W 3rd St, Jamestown 14701 87 low-income homes · 1 bd: 85 · 2 bd: 3 · In service since 2015 · For older adults

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

Free help

Help to buy or rent in Jamestown

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 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 Jamestown

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

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

Housing counselors near Jamestown

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

  • Chautauqua Opportunities, Incorporated

    402 Chandler Street, Jamestown · 0 miles away

    • 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 · 18 miles away

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

  • Chautauqua Opportunities, Incorporated

    17 W Courtney St, Dunkirk · 27 miles away · Spanish

    • 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 Jamestown

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 Jamestown

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

  • Jamestown Housing Authority Public housing and Section 8 vouchers (716) 664-3345

2 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 Jamestown, 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 Jamestown.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Jamestown

Short answers with the numbers for Jamestown 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 Jamestown?

The typical home value in Jamestown is $87,700, 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 Jamestown?

Typical rent in Jamestown is $759 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 Jamestown?

Jamestown 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 Jamestown?

The typical homeowner in Jamestown pays $2,453 a year, according to the U.S. Census Bureau. That is 2.8% of the home’s value; in Chautauqua County, the rate is 2.27%.

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

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).