In Seneca Falls, a typical home is worth $123,700 and typical rent is $951 a month. Compared with all of Seneca County, the typical home value is 20% lower, typical household income is 12% lower, and the share of households that own their home is 9 points lower.
Typical home value from Zillow, March 2024 to September 2026: from $181,225 to $208,249.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Seneca Falls is in Seneca 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 Seneca County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Seneca Falls is worth $123,700,20% less than in Seneca County as a whole ($155,400).
2
62% of households in Seneca Falls own their home, against 71% in Seneca County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Seneca Falls
What homes there are in Seneca Falls, 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
Seneca Falls
Seneca County
New York
United States
Kind of home: Seneca Falls and its comparisons
Measure
Seneca Falls
Seneca County
New York
United States
Detached house
59%
70%
41%
61%
Attached house
Unreliable estimate
1%
6%
6%
Building of 2 to 4
24%
13%
17%
8%
Apartments (5 or more)
Unreliable estimate
6%
35%
19%
Mobile home
Unreliable estimate
10%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Seneca Falls, but it weighs less than in Seneca County: 59% against 70%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Seneca Falls
Seneca County
New York
United States
Year built: Seneca Falls and its comparisons
Measure
Seneca Falls
Seneca County
New York
United States
Before 1960
62%
51%
52%
26%
1960–1979
20%
18%
22%
24%
1980–1999
11%
18%
14%
25%
2000–2009
Unreliable estimate
8%
6%
14%
2010 or later
Unreliable estimate
5%
6%
11%
The typical home in Seneca Falls was built in 1953, 6 years before the typical one in Seneca County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K24%
$100K–$200K52%
$200K–$300K21%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Seneca Falls and its comparisons
Measure
Seneca Falls
Under $100K
24%
$100K–$200K
52%
$200K–$300K
21%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99950%
$1,000–$1,49927%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Seneca Falls and its comparisons
Measure
Seneca Falls
Under $500
Unreliable estimate
$500–$999
50%
$1,000–$1,499
27%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,189 a month
Seneca County: $1,418 a month
Without a mortgage
$634 a month
Seneca County: $665 a month
Owners with a mortgage
62%
Seneca County: 53%
Owning costs less in Seneca Falls: with a mortgage, the typical cost is $1,189 a month; in Seneca County, $1,418. Without one, $634.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Seneca FallsBoundaries changed
Seneca County+45%
New York+35%
United States+53%
Typical rent
Seneca FallsBoundaries changed
Seneca County+23%
New York+27%
United States+33%
Typical household income
Seneca FallsBoundaries changed
Seneca County+25%
New York+26%
United States+29%
Change since 2015–2019: Seneca Falls and its comparisons
Measure
Seneca Falls
Seneca County
New York
United States
Typical home value
Boundaries changed
+45%
+35%
+53%
Typical rent
Boundaries changed
+23%
+27%
+33%
Typical household income
Boundaries changed
+25%
+26%
+29%
The Census does not compare Seneca Falls with 2015–2019 because its boundaries changed. In Seneca County, over that time, the typical home value rose 45%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Seneca Falls and its comparisons
Measure
Seneca Falls
Seneca 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
2.12
2.28
2.49
2.53
Drive alone
77%
76%
49%
69%
Carpool
11%
9%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
22%
3%
Walk or bike
Unreliable estimate
4%
6%
3%
Work from home
Unreliable estimate
9%
15%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Seneca Falls has 2.12 people, fewer than in Seneca County (2.28).
To get to work, 77% of workers in Seneca Falls drive alone; in Seneca County, 76%.
Do the math
What would you pay each month for a home in Seneca Falls?
A typical home is within reach of the typical income
We start with a typical home in Seneca Falls, worth $123,700, 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 Seneca Falls, which is $59,864 a year.
The calculator's FHA and conventional loan limits are those of all of Seneca 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 Seneca Falls. 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 $4,330 (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
$1,194
at 7.18% · 30 years
Loan amount
$121,459
Total interest
$174,751
Paid off in
November 2056
Includes $2,089 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,397 a month
Your payment · 24%
Tight
$1,397 to $1,796 a month
Hard
more than $1,796 a month
Compared with the typical household income in Seneca Falls ($59,864 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$823
Property tax
$265
Home insurance
$52
FHA mortgage insurance (MIP)
$55
You need at least $4,330 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 $1,194; principal and interest $823.
The city and its county
Seneca Falls and Seneca County
Seneca Falls is in Seneca 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).
Seneca Falls
Map of Seneca County, New York, with Seneca Falls marked. Around it, the neighboring counties.
Seneca Falls
Seneca County
Other cities with a page
Seneca Falls's own numbers
Typical home value
$123,700
Typical monthly rent
$951
Typical yearly household income
$59,864
Households that own their home
62%
Effective property tax rate
2.57%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Seneca County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,145
Price change over 5 years (FHFA)
+63%
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 Seneca County.
A typical home in Seneca Falls is worth $123,700: 20% below the county and 71% below New York. With the typical household income in Seneca Falls ($59,864 a year), a typical home costs 2.1 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.
Seneca Falls2.1 years
Seneca2.3 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Seneca County
According to FHFA’s house price index, home prices in Seneca County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Seneca County.
Yearly change in FHFA’s price index in Seneca County, 2016 to 2025
2016: +1.8% +1.8% 2016
2017: +3.8% +3.8% 2017
2018: +3.3% +3.3% 2018
2019: +0.4% +0.4% 2019
2020: +8.0% +8.0% 2020
2021: +10.0% +10.0% 2021
2022: +19.6% +19.6% 2022
2023: +8.6% +8.6% 2023
2024: +6.2% +6.2% 2024
2025: +7.6% +7.6% 2025
Change in FHFA’s price index in Seneca County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+7.6%
+6.0%
+2.9%
5 years (2020–2025)
+63%
+52%
+47%
10 years (2015–2025)
+93%
+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
Seneca Falls next to Seneca 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
Seneca Falls$123,700
Seneca$155,400
New York$423,800
United States$332,700
Typical monthly rent
Seneca Falls$951
Seneca$957
New York$1,621
United States$1,413
Typical yearly household income
Seneca Falls$59,864
Seneca$68,089
New York$85,974
United States$80,734
See the full table
Seneca Falls next to Seneca County and New York
Measure
Seneca Falls
Seneca County
New York
U.S.
Typical home value
$123,700 ▼20% below the county
$155,400
$423,800
$332,700
Typical monthly rent
$951
$957
$1,621
$1,413
Typical yearly household income
$59,864 ▼12% below the county
$68,089
$85,974
$80,734
Households that own their home
62% ▼9 points below the county
71%
54%
65%
Typical yearly property tax
$3,183 ▼6% below the county
$3,403
$6,582
$3,119
Effective property tax rate
2.57% ▲0.38 points above the county
2.19%
1.55%
0.94%
Renters with high rent for their income
42% ▼3 points below the county
45%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Seneca 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 Seneca Falls
For a typical $123,700 home in Seneca Falls, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Seneca Falls's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,194a month
Least cash to close
Down payment
$4,330
Cash to close
$8,041
Rate
7.18%
Mortgage insurance
FHA MIP · $55
Conventional, 5% down$1,171a month
Down payment
$6,185
Cash to close
$9,896
Rate
7.18%
Mortgage insurance
PMI · $59
Conventional, 20% down, no PMI$987a month
Down payment
$24,740
Cash to close
$28,451
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,101a month
Down payment
$18,555
Cash to close
$22,266
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Seneca Falls
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,194
$4,330
$121,459
7.18%
FHA MIP · $55
$8,041
580
Conventional, 5% down
$1,171
$6,185
$117,515
7.18%
PMI · $59
$9,896
620*
Conventional, 20% down, no PMI
$987
$24,740
$98,960
7.18%
None
$28,451
620*
ITIN, 15% down (example)
$1,101
$18,555
$105,145
8.18%
None
$22,266
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 Seneca Falls is $951 a month: about the same as the county. In Seneca Falls, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Seneca County, by unit size. To pay the 2-bedroom one ($1,145 a month) without spending more than 30% of your income, you would need to earn $22.02 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 Seneca County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$797
$15.33
$31,880
1 bedroom
$927
$17.83
$37,080
2 bedrooms
$1,145
$22.02
$45,800
3 bedrooms
$1,539
$29.60
$61,560
4 bedrooms
$1,914
$36.81
$76,560
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 Seneca Falls
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Seneca Falls is in ZIP code 13148.
For 2 bedrooms it is $1,420: $275 more than the fair market rent for Seneca County ($1,145).
Fair market rent by ZIP code and size in Seneca Falls, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
13148
$1,010
$1,140
$1,420
$1,710
$1,920
ZIP code2 bd3 bd
13148 $1,420$1,710
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Seneca Falls 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 4 buildings with rents for lower incomes in Seneca Falls. These are the largest.
Stanton Meadows5 Stanton Meadows DR, Seneca Falls 1314896 low-income homes · 1 bd: 40 · 2 bd: 56 · In service since 1994 · For older adults, people with disabilities, families
Lakeview Heights Seneca Lane Apts2022 Balsley Rd, Seneca Falls 1314840 low-income homes · Studio: 2 · 1 bd: 33 · 2 bd: 5 · In service since 2010 · For people with disabilities
Prospect Hill Apts24 Johnston St, Seneca Falls 1314832 low-income homes · 1 bd: 32 · In service since 2000 · For older adults
Seneca Falls East Apts28 Auburn Rd, Seneca Falls 1314832 low-income homes · 1 bd: 5 · 2 bd: 27 · In service since 1998 · For people with disabilities, families
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 Seneca 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 Seneca Falls or Seneca County. The ones below are statewide in New York: they work in Seneca Falls 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).
The HUD-approved agencies closest to the center of Seneca Falls, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Seneca Falls or Seneca 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 Seneca Falls and all of Seneca 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 Seneca Falls?
The typical home value in Seneca Falls is $123,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Seneca County it is $155,400.
How much does it cost to rent in Seneca Falls?
Typical rent in Seneca Falls is $951 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Seneca County is $1,145.
What is the FHA loan limit in Seneca Falls?
Seneca Falls uses the FHA limit for all of Seneca 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 Seneca Falls?
The typical homeowner in Seneca Falls pays $3,183 a year, according to the U.S. Census Bureau. That is 2.57% of the home’s value; in Seneca County, the rate is 2.19%.
Where can I find free help to buy or rent in Seneca Falls?
We found no HUD-approved counseling agencies with an office in Seneca County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
