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City · 5,971 residents · Onondaga County, New York

Mattydale , New York

In Mattydale, a typical home is worth $121,900 and typical rent is $1,163 a month. Compared with all of Onondaga County, the typical home value is 39% lower, typical household income is 13% lower, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $121,900

    39% below the county

    71% below New York

    • Mattydale
    • Onondaga
    • New York

  • Typical rent

    $1,163a month

    5% above the county

    28% below New York

    • Mattydale
    • Onondaga
    • New York

  • Typical household income

    $66,940a year

    13% below the county

    22% below New York

    • Mattydale
    • Onondaga
    • New York

  • Households that own their home

    81%

    15 points above the county

    26 points above New York

    • Mattydale
    • Onondaga
    • New York

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

Mattydale 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 Mattydale apart

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

  1. The typical home in Mattydale is worth $121,900, 39% less than in Onondaga County as a whole ($200,200).

  2. 81% of households in Mattydale own their home, against 66% in Onondaga County.

  3. Nearby, in Solvay, the typical rent is $946: 19% less than in Mattydale ($1,163).

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

The homes here

Housing in Mattydale

What homes there are in Mattydale, 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 88% of homes here, against 64% in Onondaga County.

Year built

The typical home in Mattydale was built in 1953, 11 years before the typical one in Onondaga 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

With a mortgage

$1,236 a month

Onondaga County: $1,641 a month

Without a mortgage

$550 a month

Onondaga County: $708 a month

Owners with a mortgage

70%

Onondaga County: 60%

The typical cost for an owner with a mortgage in Mattydale is $1,236 a month, less than in Onondaga County ($1,641); without one, $550.

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, home values in Mattydale rose at about the same pace as in Onondaga County: 36% against 38%.

The typical rent in Mattydale stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureMattydaleOnondaga 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 2.372.262.492.53
Drive alone 77%72%49%69%
Carpool 14%8%6%9%
Public transit Unreliable estimate2%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 8%13%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Onondaga County, a household in Mattydale has 2.37 people on average.

In Mattydale, 14% of workers share a car to get to work; in Onondaga County, 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 Mattydale?

A typical home is within reach of the typical income

We start with a typical home in Mattydale, worth $121,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Mattydale, which is $66,940 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 Mattydale. 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 $4,267 (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

$1,164

at 7.18% · 30 years

Loan amount
$119,692
Total interest
$172,208
Paid off in
November 2056

Includes $2,059 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,562 a month

    Your payment · 21%

  • Tight

    $1,562 to $2,008 a month

  • Hard

    more than $2,008 a month

Compared with the typical household income in Mattydale ($66,940 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,164
Principal & interest$811
Property tax$249
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,267 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

Mattydale and Onondaga County

Mattydale 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).

Mattydale's own numbers

Typical home value
$121,900
Typical monthly rent
$1,163
Typical yearly household income
$66,940
Households that own their home
81%
Effective property tax rate
2.45%

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 Mattydale

A typical home in Mattydale is worth $121,900: 39% below the county and 71% below New York. With the typical household income in Mattydale ($66,940 a year), a typical home costs 1.8 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.

  • Mattydale 1.8 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

Mattydale 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
  • Mattydale $121,900
  • Onondaga $200,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Mattydale $1,163
  • Onondaga $1,108
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Mattydale $66,940
  • Onondaga $76,945
  • New York $85,974
  • United States $80,734
See the full table
Mattydale next to Onondaga County and New York
Measure Mattydale Onondaga County New York U.S.
Typical home value $121,900 $200,200 $423,800 $332,700
Typical monthly rent $1,163 $1,108 $1,621 $1,413
Typical yearly household income $66,940 $76,945 $85,974 $80,734
Households that own their home 81% 66% 54% 65%
Typical yearly property tax $2,992 $4,880 $6,582 $3,119
Effective property tax rate 2.45% 2.44% 1.55% 0.94%
Renters with high rent for their income 41% 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 Mattydale

For a typical $121,900 home in Mattydale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mattydale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,164a month

    Least cash to close
    Down payment
    $4,267
    Cash to close
    $7,924
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $1,142a month

    Down payment
    $6,095
    Cash to close
    $9,752
    Rate
    7.18%
    Mortgage insurance
    PMI · $58

  • Conventional, 20% down, no PMI $960a month

    Down payment
    $24,380
    Cash to close
    $28,037
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,073a month

    Down payment
    $18,285
    Cash to close
    $21,942
    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 Mattydale and for Onondaga County.

Property tax

Effective rate in Mattydale

2.45%of the home’s value each year

$2,992 a year for the typical owner in Mattydale.

  • Mattydale 2.45%
  • 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 Mattydale

Typical rent in Mattydale is $1,163 a month: 5% above the county. In Mattydale, 41% 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 Mattydale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mattydale is in ZIP code 13211.

For 2 bedrooms it is $1,610: $117 more than the fair market rent for Onondaga County ($1,493).

  • 13211 $1,610$1,950

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

HUD lists 2 buildings with rents for lower incomes in Mattydale. These are the largest.

  • Riordan School Apts 207 E Molloy Rd, Mattydale 13211 23 low-income homes · For older adults (315) 455-1457
  • Riordan School Addition 207 E Molloy Rd, Mattydale 13211 10 low-income homes · For older adults

See all 125 buildings in Onondaga County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mattydale

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Mattydale

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

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

Housing counselors near Mattydale

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

  • Syracuse Cooperative Federal Credit Union

    1816 Erie Blvd E, Syracuse · 4 miles away · Spanish

    Also serves in Swahili.

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

  • 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

  • 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 Mattydale

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 Mattydale

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

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

Questions

Housing questions about Mattydale

Short answers with the numbers for Mattydale 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 Mattydale?

The typical home value in Mattydale is $121,900, 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 Mattydale?

Typical rent in Mattydale is $1,163 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 Mattydale?

Mattydale 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 Mattydale?

The typical homeowner in Mattydale pays $2,992 a year, according to the U.S. Census Bureau. That is 2.45% of the home’s value; in Onondaga County, the rate is 2.44%.

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

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).