Español

Este sitio también está en español. Leer en español

City · 19,830 residents · Clinton County, New York

Plattsburgh , New York

In Plattsburgh, a typical home is worth $195,900 and typical rent is $1,030 a month. Compared with all of Clinton County, typical household income is 19% lower, the typical home value is 8% higher, and the share of households that own their home is 31 points lower.

WhatsApp

  • Typical home value

    $195,900

    8% above the county

    54% below New York

    • Plattsburgh
    • Clinton
    • New York

  • Typical rent

    $1,030a month

    3% above the county

    36% below New York

    • Plattsburgh
    • Clinton
    • New York

  • Typical household income

    $57,630a year

    19% below the county

    33% below New York

    • Plattsburgh
    • Clinton
    • New York

  • Households that own their home

    38%

    31 points below the county

    16 points below New York

    • Plattsburgh
    • Clinton
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$253,894
5.5% more than 12 months ago
Typical rent
$1,254 a month

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

Plattsburgh is in Clinton 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 Clinton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Plattsburgh apart

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

  1. 38% of households in Plattsburgh own their home, against 69% in Clinton County.

  2. Nearby, in Massena, the typical home value is $94,400: 52% less than in Plattsburgh ($195,900).

  3. Nearby, in Massena, the typical rent is $722: 30% less than in Plattsburgh ($1,030).

  4. The typical household income in Plattsburgh is $57,630, 19% less than in Clinton County as a whole ($71,224).

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

The homes here

Housing in Plattsburgh

What homes there are in Plattsburgh, 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

In Plattsburgh, the apartment is the most common kind of home: 33%, against 11% in Clinton County.

Year built

In Plattsburgh, half of the homes were built before 1962; in Clinton County, before 1974.

There are fewer big homes in Plattsburgh than in Clinton County: 36% have 3 bedrooms or more, against 59%.

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

At least 99% of owner-occupied homes in Plattsburgh are worth less than $500,000, below the FHA loan limit for Clinton County ($541,287).

Monthly rent with utilities

About 63% of rented homes in Plattsburgh cost less than HUD's 2-bedroom fair market rent for Clinton County ($1,205); the rest cost more.

With a mortgage

$1,681 a month

Clinton County: $1,573 a month

Without a mortgage

$722 a month

Clinton County: $607 a month

Owners with a mortgage

53%

Clinton County: 51%

In Plattsburgh, 53% of owners have a mortgage, and their typical cost is $1,681 a month, against $1,573 in Clinton County. Without one it drops to $722.

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

Much as in Clinton County, the typical home value in Plattsburgh rose 32% since 2015–2019.

Rents in Plattsburgh rose at about the same pace as in Clinton County: 27% since 2015–2019, against 24%.

The typical household income in Plattsburgh rose 18%: less than home values (+32%) and rent (+27%).

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

MeasurePlattsburghClinton 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 estimate1.6%5.3%3.4%
People per household 1.842.162.492.53
Drive alone 67%77%49%69%
Carpool 13%10%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 10%5%6%3%
Work from home 7%8%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Plattsburgh has 1.84 people, fewer than in Clinton County (2.16).

Many here get to work on foot or by bike: 10%, more than in Clinton County (5%).

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 Plattsburgh?

A typical home costs more than the typical income allows

We start with a typical home in Plattsburgh, worth $195,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Plattsburgh, which is $57,630 a year. For that payment to be 28% of income, a household would need to earn about $82,297 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Plattsburgh. 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 $6,857 (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

$1,920

at 7.18% · 30 years

Loan amount
$192,351
Total interest
$276,748
Paid off in
November 2056

Includes $3,308 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,345 a month

  • Tight

    $1,345 to $1,729 a month

  • Hard

    more than $1,729 a month

    Your payment · 40%

Compared with the typical household income in Plattsburgh ($57,630 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,920
Principal & interest$1,303
Property tax$449
Home insurance$82
FHA mortgage insurance (MIP)$87

You need at least $6,857 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

Plattsburgh and Clinton County

Plattsburgh is in Clinton 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).

Plattsburgh's own numbers

Typical home value
$195,900
Typical monthly rent
$1,030
Typical yearly household income
$57,630
Households that own their home
38%
Effective property tax rate
2.75%

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

Numbers for all of Clinton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,205
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
2.5%

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 Clinton County.

Everything about Clinton County

Buying

Buying a home in Plattsburgh

A typical home in Plattsburgh is worth $195,900: 8% above the county and 54% below New York. With the typical household income in Plattsburgh ($57,630 a year), a typical home costs 3.4 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.

  • Plattsburgh 3.4 years
  • Clinton 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 Clinton County

According to FHFA’s house price index, home prices in Clinton County rose 68% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +5.9% +6.0% +2.9%
5 years (2020–2025) +48% +52% +47%
10 years (2015–2025) +68% +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

Plattsburgh next to Clinton 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
  • Plattsburgh $195,900
  • Clinton $180,600
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Plattsburgh $1,030
  • Clinton $1,003
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Plattsburgh $57,630
  • Clinton $71,224
  • New York $85,974
  • United States $80,734
See the full table
Plattsburgh next to Clinton County and New York
Measure Plattsburgh Clinton County New York U.S.
Typical home value $195,900 $180,600 $423,800 $332,700
Typical monthly rent $1,030 $1,003 $1,621 $1,413
Typical yearly household income $57,630 $71,224 $85,974 $80,734
Households that own their home 38% 69% 54% 65%
Typical yearly property tax $5,392 $3,606 $6,582 $3,119
Effective property tax rate 2.75% 2% 1.55% 0.94%
Renters with high rent for their income 49% 46% 52% 51%

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

For a typical $195,900 home in Plattsburgh, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Plattsburgh's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,920a month

    Least cash to close
    Down payment
    $6,857
    Cash to close
    $12,734
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $87

  • Conventional, 5% down $1,884a month

    Down payment
    $9,795
    Cash to close
    $15,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $93

  • Conventional, 20% down, no PMI $1,592a month

    Down payment
    $39,180
    Cash to close
    $45,057
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,773a month

    Down payment
    $29,385
    Cash to close
    $35,262
    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 Plattsburgh and for Clinton County.

Property tax

Effective rate in Plattsburgh

2.75%of the home’s value each year

$5,392 a year for the typical owner in Plattsburgh.

  • Plattsburgh 2.75%
  • Clinton 2%
  • 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 Clinton County

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

Homes in the high-risk zone
2.5%
765
Of those, with NFIP insurance
10%
County New York U.S.
Homes in the high-risk zone 2.5% 2% 3.5%
Of those, with NFIP insurance 10% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Plattsburgh

Typical rent in Plattsburgh is $1,030 a month: 3% above the county. In Plattsburgh, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clinton County, by unit size. To pay the 2-bedroom one ($1,205 a month) without spending more than 30% of your income, you would need to earn $23.17 an hour working full time.

HUD fair market rent for all of Clinton 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 $936 $18.00 $37,440
1 bedroom $942 $18.12 $37,680
2 bedrooms $1,205 $23.17 $48,200
3 bedrooms $1,436 $27.62 $57,440
4 bedrooms $1,630 $31.35 $65,200

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 Plattsburgh

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Plattsburgh is in ZIP code 12901.

For 2 bedrooms it is $1,270: $65 more than the fair market rent for Clinton County ($1,205).

  • 12901 $1,270$1,510

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

HUD lists 8 buildings with rents for lower incomes in Plattsburgh. These are the largest.

  • John Collins Park 42 Bushey Blvd, Plattsburgh 12901 335 low-income homes · Run by Plattsburgh Housing Authority · Average payment: $507 a month · Average wait: 7 months (518) 561-0720
  • Lakeview Towers 34 Flynn Ave, Plattsburgh 12901 223 homes, 220 low-income · Run by Plattsburgh Housing Authority · Average payment: $431 a month · Average wait: 11 months (518) 561-0720
  • Beekman Towers 50 Truman Ave, Plattsburgh 12901 124 low-income homes · For older adults (518) 561-7770
  • Homesteads on Ampersand 49 Ampersand Dr, Plattsburgh 12901 64 low-income homes · 1 bd: 24 · 2 bd: 20 · 3 bd: 20 · In service since 2015 · For people with disabilities
  • Hortense Sterns Apartments Plattsburgh 12901 46 low-income homes · Run by Plattsburgh Housing Authority · Average payment: $363 a month · Average wait: 9 months (518) 561-0720

See all 16 buildings in Clinton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Plattsburgh

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 is 1 HUD-approved agency with an office in Clinton County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Plattsburgh

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

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

Housing counselors near Plattsburgh

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

  • Friends of the North Country

    1387 Hardscrabble Rd, Cadyville · 13 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (518) 293-5045

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

    816 Union St, Schenectady · 132 miles away · Spanish

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

  • Neighbors of Watertown, Inc.

    112 Franklin St, Watertown · 134 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (315) 782-8497

Every agency in Clinton County All counseling agencies in New York

Help in Spanish near Plattsburgh

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 Plattsburgh

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

  • Plattsburgh Housing Authority Public housing and Section 8 vouchers (518) 561-0720

All housing agencies in New York Source: HUD

Cities

Nearby cities

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

Everything about Clinton County Housing in New York

Neighboring counties

If Clinton 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 Plattsburgh.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Plattsburgh

Short answers with the numbers for Plattsburgh and all of Clinton 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 Plattsburgh?

The typical home value in Plattsburgh is $195,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clinton County it is $180,600.

How much does it cost to rent in Plattsburgh?

Typical rent in Plattsburgh is $1,030 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clinton County is $1,205.

What is the FHA loan limit in Plattsburgh?

Plattsburgh uses the FHA limit for all of Clinton 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 Plattsburgh?

The typical homeowner in Plattsburgh pays $5,392 a year, according to the U.S. Census Bureau. That is 2.75% of the home’s value; in Clinton County, the rate is 2%.

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

There is 1 HUD-approved counseling agency with an office in Clinton County. 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).