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Featured local agent — Jefferson, NY
Sarah Mitchell
Compass Real Estate · Jefferson, NY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Jefferson, NY Housing Market
The last median sale price Redfin published was $276,100 (through May 2026). With 3.8 months of supply and homes going under contract in about 41 days, Jefferson is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $276,100 home is about $1,419/mo in principal and interest.
Key numbers for Jefferson, NY
Median sale price
$276,100
Last published period
Redfin, through May 2026
Days on market
41
Average pace
Redfin, through May 2026
Active listings
15
3.8 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
$70,781
Home costs 3.9x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.6%
Selling below asking
Redfin, through May 2026
Zillow figures 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 Jefferson a buyer's or seller's market?
Jefferson, NY is a balanced market, based on 3.8 months of supply and homes selling in about 41 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 Jefferson housing market data show?
Every row below is Redfin's final published month for Jefferson, NY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $276,100 |
| Median list price | $332,000 |
| Median price per sq ft | $220/sq ft |
| Median days on market | 41 days |
| Active inventory | 15 listings |
| Months of supply | 3.8 months |
| Sale-to-list price ratio | 98.6% |
| Homes sold (that month) | 4 |
| New listings (that month) | 4 |
| Listings with a price cut | 13.3% |
| 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 Jefferson is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Jefferson 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 Jefferson home prices moved?
Over the last three years the median sale price in Jefferson, NY rose 63.4%, from $169,000 to $276,100. 13.3% of Jefferson listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 3.8 months while the sale-to-list ratio slips below its current 98.6%. 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 Jefferson?
Priced off the median sale price of $276,100 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% | $55,220 | $220,880 | $1,419/mo |
| 5% | $13,805 | $262,295 | $1,686/mo |
Redfin, through May 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 $1,419, that implies roughly $60,833 a year before you add taxes and insurance. The median household in Jefferson earns $70,781, about $9,948 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 3.9x — 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 Jefferson in the next 12 months?
Tell us your timeline. We send the Jefferson 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 Jefferson?
Zillow does not publish a rent index (ZORI) for Jefferson, 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 Jefferson?
Active listings in Jefferson, NY went from 8 in November 2024 to 15 in May 2026, a +87.5% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| February 2025 | 4 | 1 |
| March 2025 | 2 | not published |
| July 2025 | 10 | 4 |
| August 2025 | 13 | 4 |
| September 2025 | 12 | 2 |
| October 2025 | 12 | 3 |
| November 2025 | 10 | 1 |
| December 2025 | 9 | 4 |
| January 2026 | 11 | 4 |
| February 2026 | 14 | 3 |
| March 2026 | 14 | 3 |
| May 2026 | 15 | 4 |
Redfin, through May 2026
How does Jefferson compare to New York and the U.S.?
Jefferson homes sell for $276,100 — 56% below the New York median of $620,500. Against the national median of $410,700, Jefferson runs 33% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Jefferson, NY | $276,100 | not published | 41 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 Jefferson
What buyers should watch
- Months of supply, currently 3.8. 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 13.3%. 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 $266 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 $276,100 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 Jefferson listing goes under contract in 41 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 98.6% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Jefferson added 4 new listings against 4 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Jefferson varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Jefferson
There are currently 15 homes listed for sale in Jefferson, New York. The median listing price is $332K.
Active listings
15
Homes on market
Median list price
$332K
Avg. days on market
41
Days until sale
New this week
4
Newly listed
How much do homes cost in Jefferson by property type?
How the Jefferson, 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 | $276,100 | $220/sq ft | 4 | 41 days |
Who lives in Jefferson?
American Community Survey estimates for Jefferson. U.S. Census ACS, 2023
Population
150
Households
63
Median income
$70,781/yr
Median age
35.7 years
Owner-occupied
87.3%
Median home value
$168,500
Mean commute
38.2 min
87.3% of occupied homes in Jefferson 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.
Which public schools serve Jefferson?
1 schools tracked · 150 students
The largest public schools serving Jefferson, 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.
JEFFERSON CENTRAL SCHOOL
Grades PK-12 · 150 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 Jefferson, NY?
Ordered by distance from Jefferson, not by size. Compare Jefferson side by side with any of them.
Jefferson housing market FAQ
Is Jefferson a buyer's or seller's market?
Jefferson, NY is currently a balanced market. That read comes from 3.8 months of supply, homes going under contract in about 41 days, and sellers getting 98.6% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Jefferson?
The median sale price in the last month Redfin published was $276,100, about $220 per square foot.
Is Jefferson cheaper than the rest of New York?
Jefferson's median sale price of $276,100 is 56% lower than the New York statewide median of $620,500, and 33% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Jefferson?
Homes in Jefferson, NY spent a median of 41 days on market before going under contract, versus 42 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Jefferson?
At the current 30-year fixed rate of 6.66%, 20% down on a $276,100 home is about $1,419 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $60,833 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $70,781.
Are home prices rising in Jefferson?
We do not hold a complete 12-month value series for Jefferson, NY yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Jefferson?
Jefferson 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 Jefferson?
That depends on your timeline, not on a headline. What the data says today: Jefferson, NY is a balanced market with 3.8 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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One email: what homes are actually clearing at around $276,100, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.