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City · 6,693 residents · Onondaga County, New York

North Syracuse , New York

In North Syracuse, a typical home is worth $163,000 and typical rent is $995 a month. Compared with all of Onondaga County, the typical home value is 19% lower and typical rent is 10% lower.

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  • Typical home value

    $163,000

    19% below the county

    62% below New York

    • North Syracuse
    • Onondaga
    • New York

  • Typical rent

    $995a month

    10% below the county

    39% below New York

    • North Syracuse
    • Onondaga
    • New York

  • Typical household income

    $71,026a year

    8% below the county

    17% below New York

    • North Syracuse
    • Onondaga
    • New York

  • Households that own their home

    67%

    1 points above the county

    13 points above New York

    • North Syracuse
    • Onondaga
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$246,370
7.2% more than 12 months ago

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

North Syracuse 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 North Syracuse apart

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

  1. Nearby, in Mattydale, the typical home value is $121,900: 25% less than in North Syracuse ($163,000).

  2. The typical home in North Syracuse is worth $163,000, 19% less than in Onondaga County as a whole ($200,200).

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

The homes here

Housing in North Syracuse

What homes there are in North Syracuse, 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

The detached house rules in North Syracuse: 67% of homes, more than in Onondaga County (64%).

Year built

The typical home in North Syracuse was built in 1959, 5 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

$1,468 a month

Onondaga County: $1,641 a month

Without a mortgage

$661 a month

Onondaga County: $708 a month

Owners with a mortgage

76%

Onondaga County: 60%

The typical cost for an owner with a mortgage in North Syracuse is $1,468 a month, less than in Onondaga County ($1,641); without one, $661.

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, the typical home value in North Syracuse rose 42%; in Onondaga County, it rose 38%.

The typical rent in North Syracuse rose 16% over the same time; in Onondaga County, it rose 27%.

The typical household income in North Syracuse rose 43% over that time; home values changed +42% and rent +16%.

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

MeasureNorth SyracuseOnondaga 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 2.232.262.492.53
Drive alone 81%72%49%69%
Carpool Unreliable estimate8%6%9%
Public transit Unreliable estimate2%22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 7%13%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in North Syracuse look like those in Onondaga County: 2.23 people on average.

To get to work, 81% of workers in North Syracuse drive alone; in Onondaga County, 72%.

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 North Syracuse?

A typical home is within reach of the typical income

We start with a typical home in North Syracuse, worth $163,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in North Syracuse, which is $71,026 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 North Syracuse. 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 $5,705 (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

$1,621

at 7.18% · 30 years

Loan amount
$160,048
Total interest
$230,271
Paid off in
November 2056

Includes $2,753 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,657 a month

    Your payment · 27%

  • Tight

    $1,657 to $2,131 a month

  • Hard

    more than $2,131 a month

Compared with the typical household income in North Syracuse ($71,026 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,621
Principal & interest$1,084
Property tax$397
Home insurance$68
FHA mortgage insurance (MIP)$72

You need at least $5,705 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

North Syracuse and Onondaga County

North Syracuse 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).

North Syracuse's own numbers

Typical home value
$163,000
Typical monthly rent
$995
Typical yearly household income
$71,026
Households that own their home
67%
Effective property tax rate
2.92%

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 North Syracuse

A typical home in North Syracuse is worth $163,000: 19% below the county and 62% below New York. With the typical household income in North Syracuse ($71,026 a year), a typical home costs 2.3 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.

  • North Syracuse 2.3 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

North Syracuse 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
  • North Syracuse $163,000
  • Onondaga $200,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • North Syracuse $995
  • Onondaga $1,108
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • North Syracuse $71,026
  • Onondaga $76,945
  • New York $85,974
  • United States $80,734
See the full table
North Syracuse next to Onondaga County and New York
Measure North Syracuse Onondaga County New York U.S.
Typical home value $163,000 $200,200 $423,800 $332,700
Typical monthly rent $995 $1,108 $1,621 $1,413
Typical yearly household income $71,026 $76,945 $85,974 $80,734
Households that own their home 67% 66% 54% 65%
Typical yearly property tax $4,764 $4,880 $6,582 $3,119
Effective property tax rate 2.92% 2.44% 1.55% 0.94%
Renters with high rent for their income 46% 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 North Syracuse

For a typical $163,000 home in North Syracuse, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Syracuse's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,621a month

    Least cash to close
    Down payment
    $5,705
    Cash to close
    $10,595
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $72

  • Conventional, 5% down $1,591a month

    Down payment
    $8,150
    Cash to close
    $13,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $77

  • Conventional, 20% down, no PMI $1,348a month

    Down payment
    $32,600
    Cash to close
    $37,490
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,499a month

    Down payment
    $24,450
    Cash to close
    $29,340
    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 North Syracuse and for Onondaga County.

Property tax

Effective rate in North Syracuse

2.92%of the home’s value each year

$4,764 a year for the typical owner in North Syracuse.

  • North Syracuse 2.92%
  • 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 North Syracuse

Typical rent in North Syracuse is $995 a month: 10% below the county. In North Syracuse, 46% 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 North Syracuse

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Syracuse is in ZIP code 13212.

For 2 bedrooms it is $1,500: $7 more than the fair market rent for Onondaga County ($1,493).

  • 13212 $1,500$1,820

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

HUD lists 4 buildings with rents for lower incomes in North Syracuse. These are the largest.

  • Pitcher Hill Apts 114 Elbow Rd, North Syracuse 13212 101 homes, 100 low-income · For older adults (315) 454-0697
  • Toll Road Senior Apts 108 Singleton Ave, North Syracuse 13212 60 low-income homes · 1 bd: 52 · 2 bd: 8 · In service since 2011 · For older adults, people with disabilities
  • Malta House Apartments 212 N Main St, North Syracuse 13212 50 low-income homes · For older adults (315) 452-1028
  • Centerville Court 400 Sandra Ln, North Syracuse 13212 In service since 2013 · For older adults

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

Free help

Help to buy or rent in North Syracuse

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 leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in North Syracuse

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

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

Housing counselors near North Syracuse

The HUD-approved agencies closest to the center of North Syracuse, 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 · 6 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 · 6 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 · 19 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 North Syracuse

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 North Syracuse

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

  • Village of North Syracuse Housing Authority Section 8 vouchers (315) 458-7077

2 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 North Syracuse, 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 North Syracuse.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about North Syracuse

Short answers with the numbers for North Syracuse 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 North Syracuse?

The typical home value in North Syracuse is $163,000, 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 North Syracuse?

Typical rent in North Syracuse is $995 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 North Syracuse?

North Syracuse 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 North Syracuse?

The typical homeowner in North Syracuse pays $4,764 a year, according to the U.S. Census Bureau. That is 2.92% of the home’s value; in Onondaga County, the rate is 2.44%.

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

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).