$85,000
106 Church St
Champlain, NY
3 bd1,661 sqft$51/ft²
Multi-family4,792 sqft lot
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Champlain, NY Housing Market
Balanced market+9.9% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Champlain, NY is worth $206,528, rose 9.9% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $82,500 (through May 2026). With 2.0 months of supply and homes going under contract in about 85 days, Champlain is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $206,528 home is about $1,062/mo in principal and interest.
Key numbers for Champlain, NY
Typical home value
$206,528
+9.9% in 12 months
Zillow, July 2026
Median sale price
$82,500
Last published period
Redfin, through May 2026
Days on market
85
Slow-moving
Redfin, through May 2026
Active listings
2
2.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$56,250
Home costs 3.7x income
U.S. Census ACS, 2023
Sale-to-list ratio
91.8%
Selling below asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Champlain a buyer's or seller's market?
Balanced market2.0 months of supply85 days on market91.8% of asking
Champlain, NY is a balanced market, based on 2.0 months of supply and homes selling in about 85 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Champlain housing market data show?
Every row below is Redfin's final published month for Champlain, NY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $82,500 |
| Median list price | $146,000 |
| Median price per sq ft | $115/sq ft |
| Median days on market | 85 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Sale-to-list price ratio | 91.8% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Listings with a price cut | 50.0% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Champlain is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Champlain is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Champlain home prices moved?
Over the last three years the median sale price in Champlain, NY fell 35.5%, from $128,000 to $82,500. The live Zillow value series has rose 9.9% in the last 12 months, which is the more current read now that Redfin's series has stopped. 50.0% of Champlain listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 2.0 months while the sale-to-list ratio slips below its current 91.8%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Champlain?
Priced off the typical home value of $206,528 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $41,306 | $165,222 | $1,062/mo |
| 5% | $10,326 | $196,201 | $1,261/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,062, that implies roughly $45,504 a year before you add taxes and insurance. The median household in Champlain earns $56,250, about $10,746 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.7x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Champlain in the next 12 months?
Tell us your timeline. We send the Champlain market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Champlain?
Zillow does not publish a rent index (ZORI) for Champlain, NY, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Champlain?
Active listings in Champlain, NY went from 7 in August 2024 to 2 in May 2026, a -71.4% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| September 2024 | 6 | not published |
| December 2024 | 3 | 1 |
| March 2025 | 2 | 2 |
| May 2025 | 1 | not published |
| June 2025 | 9 | 3 |
| August 2025 | 4 | not published |
| September 2025 | 5 | 1 |
| October 2025 | 4 | 1 |
| November 2025 | 4 | 2 |
| December 2025 | 1 | 1 |
| January 2026 | 4 | 1 |
| May 2026 | 2 | 1 |
Redfin, through May 2026
How does Champlain compare to New York and the U.S.?
Champlain homes sell for $82,500 — 87% below the New York median of $620,500. Against the national median of $410,700, Champlain runs 80% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Champlain, NY | $82,500 | not published | 85 days |
| New York statewide | $620,500 | +5.1% | 42 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Champlain
What buyers should watch
- Months of supply, currently 2.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 50.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $199 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $206,528 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Champlain listing goes under contract in 85 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 91.8% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Champlain added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +9.9% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Champlain varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Champlain
There are currently 2 homes listed for sale in Champlain, New York. The median listing price is $146K. Featured listings range from $85,000 to $790,000.
$89,900
24 Moore St
Champlain, NY
2 bd1 ba720 sqft$125/ft²
House6,970 sqft lot
View photos & details
$179,900
347 Route 9B
Champlain, NY
2 bd2 ba1,001 sqft$180/ft²
House13,504 sqft lot
View photos & details
$189,995
1724 Ridge Rd
Champlain, NY
2 bd1 ba868 sqft$219/ft²
Mobile home32.00 acres
View photos & details
$212,000
556 Prospect St
Champlain, NY
3 bd2 ba1,811 sqft$117/ft²
House1.40 acres
View photos & details
$214,900
23 South St
Champlain, NY
2 bd2 ba1,461 sqft$147/ft²
House31,363 sqft lot
View photos & details
$249,900
789 Hayford Rd
Champlain, NY
4 bd2 ba2,103 sqft$119/ft²
House19,166 sqft lot
View photos & details
$275,000
123 Meridian Rd
Champlain, NY
3 bd1 ba1,288 sqft$214/ft²
House7.90 acres
View photos & details
$345,000
559 Perry Mills Rd
Champlain, NY
4 bd2 ba2,060 sqft$167/ft²
House1.60 acres
View photos & details
$479,900
187 South St
Champlain, NY
3 bd2 ba3,528 sqft$136/ft²
House5.00 acres
View photos & details
$500,000
2716/2710 Lake Shore Rd
Champlain, NY
4 bd3 ba2,022 sqft$247/ft²
House23,087 sqft lot
View photos & details
$790,000
17 Dumont Rd
Champlain, NY
3 bd4 ba3,946 sqft$200/ft²
House3.60 acres
View photos & details
Looking to buy in Champlain?
Get connected with a local real estate expert — free, no obligation.
Active listings
2
Homes on market
Median list price
$146K
Avg. days on market
85
Days until sale
New this week
1
Newly listed
Price drops:50.0%of listings
Sale-to-list:91.8%
How much do homes cost in Champlain by property type?
How the Champlain, NY market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $82,500 | $115/sq ft | 1 | 85 days |
Who lives in Champlain?
American Community Survey estimates for Champlain. U.S. Census ACS, 2023
Population
1,206
Households
503
Median income
$56,250/yr
Median age
38.2 years
Owner-occupied
54.7%
Median home value
$120,600
Median gross rent
$1,054/mo
Mean commute
19.4 min
54.7% of occupied homes in Champlain are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $120,600 against Zillow's $206,528 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Champlain?
2 schools tracked · 649 students
The largest public schools serving Champlain, NY by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
NORTHEASTERN CLINTON SENIOR HIGH SCHOOL
Grades PK-12 · 375 students
NORTHEASTERN CLINTON MIDDLE SCHOOL
Grades 6-8 · 274 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Champlain, NY?
Ordered by distance from Champlain, not by size. Compare Champlain side by side with any of them.
Champlain housing market FAQ
Is Champlain a buyer's or seller's market?
Champlain, NY is currently a balanced market. That read comes from 2.0 months of supply, homes going under contract in about 85 days, and sellers getting 91.8% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Champlain?
The typical home in Champlain, NY is worth $206,528 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $82,500, about $115 per square foot.
Is Champlain cheaper than the rest of New York?
Champlain's median sale price of $82,500 is 87% lower than the New York statewide median of $620,500, and 80% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Champlain?
Homes in Champlain, NY spent a median of 85 days on market before going under contract, versus 42 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Champlain?
At the current 30-year fixed rate of 6.66%, 20% down on a $206,528 home is about $1,062 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $45,504 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $56,250.
Are home prices rising in Champlain?
The typical home value in Champlain, NY rose 9.9% over the last 12 months, from $187,895 to $206,528 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Champlain?
Champlain ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Champlain?
That depends on your timeline, not on a headline. What the data says today: Champlain, NY is a balanced market with 2.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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