In Medina, a typical home is worth $107,200 and typical rent is $906 a month. Compared with all of Orleans County, the typical home value is 24% lower, typical household income is 10% lower, and the share of households that own their home is 20 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $141,350 to $188,406.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Medina is in Orleans 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 Orleans County. See the county
What this place has that others do not, from public data, most unusual first.
1
Medina has the 2nd smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (28%).
2
57% of households in Medina own their home, against 77% in Orleans County.
3
Medina has the 13th lowest typical home value of the 348 cities in New York with more than 5,000 people ($107,200).
4
Nearby, in Albion, the typical home value is $82,300: 23% less than in Medina ($107,200).
5
Nearby, in South Lockport, the typical rent is $711: 22% less than in Medina ($906).
6
Medina has the 29th lowest typical rent of the 333 cities in New York with more than 5,000 people ($906).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Medina
What homes there are in Medina, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Medina
Orleans County
New York
United States
Kind of home: Medina and its comparisons
Measure
Medina
Orleans County
New York
United States
Detached house
59%
73%
41%
61%
Attached house
Unreliable estimate
2%
6%
6%
Building of 2 to 4
20%
10%
17%
8%
Apartments (5 or more)
Unreliable estimate
6%
35%
19%
Mobile home
6%
9%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Medina (59%), but less so than in Orleans County (73%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Medina
Orleans County
New York
United States
Year built: Medina and its comparisons
Measure
Medina
Orleans County
New York
United States
Before 1960
70%
54%
52%
26%
1960–1979
15%
18%
22%
24%
1980–1999
12%
19%
14%
25%
2000–2009
Unreliable estimate
6%
6%
14%
2010 or later
Unreliable estimate
3%
6%
11%
The typical home in Medina was built before 1940, the oldest group the Census tells apart; 70% of homes date from before 1960.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K47%
$100K–$200K38%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Medina and its comparisons
Measure
Medina
Under $100K
47%
$100K–$200K
38%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99959%
$1,000–$1,49919%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Medina and its comparisons
Measure
Medina
Under $500
Unreliable estimate
$500–$999
59%
$1,000–$1,499
19%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,288 a month
Orleans County: $1,469 a month
Without a mortgage
$629 a month
Orleans County: $677 a month
Owners with a mortgage
55%
Orleans County: 57%
The typical cost for an owner with a mortgage in Medina is $1,288 a month, less than in Orleans County ($1,469); without one, $629.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Medina+41%
Orleans County+43%
New York+35%
United States+53%
Typical rent
MedinaNo clear change
Orleans County+20%
New York+27%
United States+33%
Typical household income
MedinaNo clear change
Orleans County+25%
New York+26%
United States+29%
Change since 2015–2019: Medina and its comparisons
Measure
Medina
Orleans County
New York
United States
Typical home value
+41%
+43%
+35%
+53%
Typical rent
No clear change
+20%
+27%
+33%
Typical household income
No clear change
+25%
+26%
+29%
From 2015–2019 to 2020–2024, home values in Medina rose at about the same pace as in Orleans County: 41% against 43%.
The typical rent in Medina stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Medina and its comparisons
Measure
Medina
Orleans County
New York
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
5.3%
3.4%
People per household
2.15
2.29
2.49
2.53
Drive alone
73%
75%
49%
69%
Carpool
Unreliable estimate
9%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
22%
3%
Walk or bike
Unreliable estimate
3%
6%
3%
Work from home
11%
11%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Medina are smaller: 2.15 people on average; in Orleans County, 2.29.
To get to work, 73% of workers in Medina drive alone; in Orleans County, 75%.
Do the math
What would you pay each month for a home in Medina?
A typical home is within reach of the typical income
We start with a typical home in Medina, worth $107,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Medina, which is $59,231 a year.
The calculator's FHA and conventional loan limits are those of all of Orleans County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Medina. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $3,752 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,132
at 7.18% · 30 years
Loan amount
$105,258
Total interest
$151,442
Paid off in
November 2056
Includes $1,810 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,382 a month
Your payment · 23%
Tight
$1,382 to $1,777 a month
Hard
more than $1,777 a month
Compared with the typical household income in Medina ($59,231 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$713
Property tax
$327
Home insurance
$45
FHA mortgage insurance (MIP)
$47
You need at least $3,752 for the down payment, plus closing costs.
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.
Total monthly payment $1,132; principal and interest $713.
The city and its county
Medina and Orleans County
Medina is in Orleans 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).
Medina
Map of Orleans County, New York, with Medina marked. Around it, the neighboring counties.
Medina
Orleans County
Other cities with a page
Medina's own numbers
Typical home value
$107,200
Typical monthly rent
$906
Typical yearly household income
$59,231
Households that own their home
57%
Effective property tax rate
3.66%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Orleans County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,416
Price change over 5 years (FHFA)
+70%
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 Orleans County.
A typical home in Medina is worth $107,200: 24% below the county and 75% below New York. With the typical household income in Medina ($59,231 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.
Medina1.8 years
Orleans2.1 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Orleans County
According to FHFA’s house price index, home prices in Orleans County rose 107% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Orleans County.
Yearly change in FHFA’s price index in Orleans County, 2016 to 2025
2016: −1.0% −1.0% 2016
2017: +7.0% +7.0% 2017
2018: +4.3% +4.3% 2018
2019: +5.5% +5.5% 2019
2020: +4.4% +4.4% 2020
2021: +13.1% +13.1% 2021
2022: +12.6% +12.6% 2022
2023: +7.3% +7.3% 2023
2024: +6.8% +6.8% 2024
2025: +16.4% +16.4% 2025
Change in FHFA’s price index in Orleans County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+16.4%
+6.0%
+2.9%
5 years (2020–2025)
+70%
+52%
+47%
10 years (2015–2025)
+107%
+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
Medina next to Orleans 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
Medina$107,200
Orleans$140,800
New York$423,800
United States$332,700
Typical monthly rent
Medina$906
Orleans$874
New York$1,621
United States$1,413
Typical yearly household income
Medina$59,231
Orleans$65,969
New York$85,974
United States$80,734
See the full table
Medina next to Orleans County and New York
Measure
Medina
Orleans County
New York
U.S.
Typical home value
$107,200 ▼24% below the county
$140,800
$423,800
$332,700
Typical monthly rent
$906 ▲4% above the county
$874
$1,621
$1,413
Typical yearly household income
$59,231 ▼10% below the county
$65,969
$85,974
$80,734
Households that own their home
57% ▼20 points below the county
77%
54%
65%
Typical yearly property tax
$3,928 ▲3% above the county
$3,823
$6,582
$3,119
Effective property tax rate
3.66% ▲0.94 points above the county
2.72%
1.55%
0.94%
Renters with high rent for their income
28% ▼11 points below the county
39%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orleans 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 Medina
For a typical $107,200 home in Medina, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Medina's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,132a month
Least cash to close
Down payment
$3,752
Cash to close
$6,968
Rate
7.18%
Mortgage insurance
FHA MIP · $47
Conventional, 5% down$1,112a month
Down payment
$5,360
Cash to close
$8,576
Rate
7.18%
Mortgage insurance
PMI · $51
Conventional, 20% down, no PMI$953a month
Down payment
$21,440
Cash to close
$24,656
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,052a month
Down payment
$16,080
Cash to close
$19,296
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Medina
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,132
$3,752
$105,258
7.18%
FHA MIP · $47
$6,968
580
Conventional, 5% down
$1,112
$5,360
$101,840
7.18%
PMI · $51
$8,576
620*
Conventional, 20% down, no PMI
$953
$21,440
$85,760
7.18%
None
$24,656
620*
ITIN, 15% down (example)
$1,052
$16,080
$91,120
8.18%
None
$19,296
Set by the lender
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.
Typical rent in Medina is $906 a month: 4% above the county. In Medina, 28% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Orleans County, by unit size. To pay the 2-bedroom one ($1,416 a month) without spending more than 30% of your income, you would need to earn $27.23 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orleans County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,005
$19.33
$40,200
1 bedroom
$1,131
$21.75
$45,240
2 bedrooms
$1,416
$27.23
$56,640
3 bedrooms
$1,706
$32.81
$68,240
4 bedrooms
$1,875
$36.06
$75,000
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 Medina
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Medina is in ZIP code 14103.
For 2 bedrooms it is $1,190: $226 less than the fair market rent for Orleans County ($1,416).
Fair market rent by ZIP code and size in Medina, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
14103
$850
$950
$1,190
$1,440
$1,580
ZIP code2 bd3 bd
14103 $1,190$1,440
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Medina 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Medina. These are the largest.
Maple Ridge Estates200 Ricky Pl, Medina 14103126 low-income homes · For families(585) 798-2122
Medina Country Estates510 E Oak Orchard St, Medina 1410324 low-income homes · 1 bd: 12 · 2 bd: 10 · 3 bd: 2 · In service since 2008 · For people with disabilities, families
Sandstone Village100 Bernz O Matic Dr, Medina 1410324 low-income homes · 1 bd: 24 · In service since 1994 · For older adults
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 Orleans County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Medina or Orleans County. The ones below are statewide in New York: they work in Medina the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Medina or Orleans County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Medina and all of Orleans 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 Medina?
The typical home value in Medina is $107,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orleans County it is $140,800.
How much does it cost to rent in Medina?
Typical rent in Medina is $906 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orleans County is $1,416.
What is the FHA loan limit in Medina?
Medina uses the FHA limit for all of Orleans 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 Medina?
The typical homeowner in Medina pays $3,928 a year, according to the U.S. Census Bureau. That is 3.66% of the home’s value; in Orleans County, the rate is 2.72%.
Where can I find free help to buy or rent in Medina?
We found no HUD-approved counseling agencies with an office in Orleans County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
