Compare Geneva, NY mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Geneva.
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August 28, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Geneva. Understand how much you need to earn to afford a home in Geneva, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Geneva fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Geneva is right for you.
The median home value for Geneva, NY (Ontario County) is $213,423
Based on current mortgage rates and a 10% down payment, you need to make $44,523 per year to buy the median priced home in Geneva
With this income, you could qualify for a $192,081 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Geneva is $1,031
The median household income for Geneva, NY (Ontario County) is $79,110
Based on this income, you can afford a home valued at approximately $379,215
The home price you can afford to buy based on household income in Geneva is 178% of the median home value which means housing prices are average. Geneva (Ontario County) ranks 26 out of 62 counties in New York and 1,218 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Geneva, NY is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Geneva (Ontario County) below.
Conforming loan limits for Geneva, NY
FHA loan limits for Geneva, NY