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City · 146,384 residents · Onondaga County, New York

Syracuse , New York

In Syracuse, a typical home is worth $138,400 and typical rent is $1,039 a month. Compared with all of Onondaga County, typical household income is 38% lower, the typical home value is 31% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $138,400

    31% below the county

    67% below New York

    • Syracuse
    • Onondaga
    • New York

  • Typical rent

    $1,039a month

    6% below the county

    36% below New York

    • Syracuse
    • Onondaga
    • New York

  • Typical household income

    $47,819a year

    38% below the county

    44% below New York

    • Syracuse
    • Onondaga
    • New York

  • Households that own their home

    42%

    24 points below the county

    13 points below New York

    • Syracuse
    • Onondaga
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$223,201
5.5% more than 12 months ago
Typical rent
$1,566 a month
3.7% more than 12 months ago

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

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 Syracuse apart

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

  1. 42% of households in Syracuse own their home, against 66% in Onondaga County.

  2. Syracuse has the 15th lowest typical household income of the 350 cities in New York with more than 5,000 people ($47,819).

  3. The typical home in Syracuse is worth $138,400, 31% less than in Onondaga County as a whole ($200,200).

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

The homes here

Housing in Syracuse

What homes there are in 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

Homes in Syracuse are varied: detached houses are the largest group, at 41%, against 64% in Onondaga County.

Year built

Homes in Syracuse are older: the typical year built is 1948; in Onondaga County, 1964.

In Syracuse, 25% of homes have 1 bedroom or none (studios); 49% have 3 bedrooms or more, against 62% 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

By price, most homes in Syracuse sit under the FHA limit for Onondaga County ($541,287): about 97%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Onondaga County is $1,493; about 82% of rents in Syracuse are below it.

With a mortgage

$1,238 a month

Onondaga County: $1,641 a month

Without a mortgage

$571 a month

Onondaga County: $708 a month

Owners with a mortgage

60%

Onondaga County: 60%

In Syracuse, 60% of owners have a mortgage, and their typical cost is $1,238 a month, against $1,641 in Onondaga County. Without one it drops to $571.

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

The typical home value in Syracuse rose 47% since 2015–2019, more than in Onondaga County (38%).

Rents in Syracuse rose at about the same pace as in Onondaga County: 28% since 2015–2019, against 27%.

To compare: typical income in Syracuse rose 25%; the home, +47%; the rent, +28%.

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

MeasureSyracuseOnondaga CountyNew YorkUnited States
Rental vacancy 5.0%3.4%3.8%5.5%
Homeowner vacancy 2.1%0.8%1.1%0.9%
More than one person per room 2.9%1.6%5.3%3.4%
People per household 2.142.262.492.53
Drive alone 59%72%49%69%
Carpool 10%8%6%9%
Public transit 6%2%22%3%
Walk or bike 10%4%6%3%
Work from home 12%13%15%15%
Other means 3%2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Syracuse, the rental vacancy rate is 5.0%; in Onondaga County, 3.4%.

More than one person per room: that is how 2.9% of households in Syracuse live, more than in Onondaga County (1.6%).

On average, a household in Syracuse has 2.14 people, fewer than in Onondaga County (2.26).

Many here get to work on foot or by bike: 10%, more than in Onondaga County (4%).

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 Syracuse?

A typical home is tight for the typical income

We start with a typical home in Syracuse, worth $138,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Syracuse, which is $47,819 a year. For that payment to be 28% of income, a household would need to earn about $56,016 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 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 $4,844 (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

$1,307

at 7.18% · 30 years

Loan amount
$135,893
Total interest
$195,518
Paid off in
November 2056

Includes $2,337 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,116 a month

  • Tight

    $1,116 to $1,435 a month

    Your payment · 33%

  • Hard

    more than $1,435 a month

Compared with the typical household income in Syracuse ($47,819 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,307
Principal & interest$921
Property tax$268
Home insurance$58
FHA mortgage insurance (MIP)$61

You need at least $4,844 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

Syracuse and Onondaga County

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).

Syracuse's own numbers

Typical home value
$138,400
Typical monthly rent
$1,039
Typical yearly household income
$47,819
Households that own their home
42%
Effective property tax rate
2.32%

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 Syracuse

A typical home in Syracuse is worth $138,400: 31% below the county and 67% below New York. With the typical household income in Syracuse ($47,819 a year), a typical home costs 2.9 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.

  • Syracuse 2.9 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

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
  • Syracuse $138,400
  • Onondaga $200,200
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Syracuse $1,039
  • Onondaga $1,108
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Syracuse $47,819
  • Onondaga $76,945
  • New York $85,974
  • United States $80,734
See the full table
Syracuse next to Onondaga County and New York
Measure Syracuse Onondaga County New York U.S.
Typical home value $138,400 $200,200 $423,800 $332,700
Typical monthly rent $1,039 $1,108 $1,621 $1,413
Typical yearly household income $47,819 $76,945 $85,974 $80,734
Households that own their home 42% 66% 54% 65%
Typical yearly property tax $3,210 $4,880 $6,582 $3,119
Effective property tax rate 2.32% 2.44% 1.55% 0.94%
Renters with high rent for their income 55% 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 Syracuse

For a typical $138,400 home in Syracuse, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Syracuse's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,307a month

    Least cash to close
    Down payment
    $4,844
    Cash to close
    $8,996
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $61

  • Conventional, 5% down $1,282a month

    Down payment
    $6,920
    Cash to close
    $11,072
    Rate
    7.18%
    Mortgage insurance
    PMI · $66

  • Conventional, 20% down, no PMI $1,075a month

    Down payment
    $27,680
    Cash to close
    $31,832
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,203a month

    Down payment
    $20,760
    Cash to close
    $24,912
    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 Syracuse and for Onondaga County.

Property tax

Effective rate in Syracuse

2.32%of the home’s value each year

$3,210 a year for the typical owner in Syracuse.

  • Syracuse 2.32%
  • 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 Syracuse

Typical rent in Syracuse is $1,039 a month: 6% below the county. In Syracuse, 55% 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 Syracuse

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Syracuse has 10 ZIP codes with their own.

For 2 bedrooms it runs from $1,340 in 13205 to $1,730 in 13202.

5 of the 10 are above the fair market rent for Onondaga County ($1,493).

  • 13202 $1,730$2,100
  • 13203 $1,420$1,720
  • 13204 $1,410$1,710
  • 13205 $1,340$1,620
  • 13207 $1,570$1,900
  • 13208 $1,420$1,720
  • 13210 $1,580$1,910
  • 13224 $1,450$1,760
  • 13244 $1,580$1,910
  • 13290 $1,530$1,850

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

HUD lists 77 buildings with rents for lower incomes in Syracuse. These are the largest.

  • Pioneer Homes 118 Radisson Ct, Syracuse 13202 612 homes, 597 low-income · Run by Syracuse Housing Authority · Average payment: $417 a month · Average wait: 56 months (315) 475-6181
  • Brighton Towers 821 E Brighton Ave, Syracuse 13205 600 homes, 508 low-income · Studio: 149 · 1 bd: 448 · 2 bd: 1 · In service since 2015
  • James Geddes 338 Gifford St, Syracuse 13204 477 homes, 471 low-income · Run by Syracuse Housing Authority · Average payment: $376 a month · Average wait: 48 months (315) 475-6181
  • Parkside Commons 1903 E Fayette St, Syracuse 13210 393 low-income homes · For families (315) 475-5027
  • Toomey Abbott 1207 Almond St, Syracuse 13210 308 homes, 306 low-income · Run by Syracuse Housing Authority · Average payment: $336 a month · Average wait: 25 months (315) 475-6181

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

Free help

Help to buy or rent in 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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Syracuse

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

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

Housing counselors near Syracuse

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

  • Home Headquarters, Inc.

    625 Erie Blvd W, Syracuse · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (315) 474-1939

  • Syracuse Cooperative Federal Credit Union

    1816 Erie Blvd E, Syracuse · 1 miles away · Spanish

    Also serves in Swahili.

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

  • City of Fulton Community Development Agency

    125 W Broadway, Fulton · 24 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 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 Syracuse

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

  • Syracuse Housing Authority Public housing and Section 8 vouchers (315) 475-6181

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 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 Syracuse.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Syracuse

Short answers with the numbers for 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 Syracuse?

The typical home value in Syracuse is $138,400, 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 Syracuse?

Typical rent in Syracuse is $1,039 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 Syracuse?

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 Syracuse?

The typical homeowner in Syracuse pays $3,210 a year, according to the U.S. Census Bureau. That is 2.32% of the home’s value; in Onondaga County, the rate is 2.44%.

Where can I find free help to buy or rent in 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).