The story of this market
The typical home in Chautauqua County, New York sells for about $189,900, or $138 per square foot.
Prices are up +5.5% from a year ago, so sellers still have some momentum. Homes take about 58 days to sell. Over the long run, values in this county have grown 54% since 2000. Last year 13 of 18 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is lightning, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,014 a month.
HUD sets the fair market rent for a 2-bedroom at $1,014 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2021 (+10.6%). Worst: 2010 (-2.4%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.5%
NY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,338
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 18 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
39
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $43,575,377.
Mortgage activity
Home lending in this county
76.8%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 2893 | 1802 | 76.8% | 3.9% | $120,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Chautauqua County, New York
Chautauqua County's housing market is showing signs of resilience with steady price appreciation and a focus on new development. While inventory remains tight, state-backed initiatives are beginning to address long-term supply constraints. The market is currently driven by a mix of local demand and interest in the region's recreational amenities.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 3 cities · 7 ZIP reports
Median prices moved down 12.1% year over year.
Homes spend a median of 65 days on market with 0.0 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 34.28% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.8% · poverty 20.2% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 6 researched ZIP reports of 7 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Chautauqua County, New York — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
researched Sep 16
researched Sep 20
researched Sep 16
researched Sep 19
researched Sep 18
researched Sep 20
| 14048 | Dunkirk | $242,850 | $180 | -19% | 71 | — | — | — | 16 | $869 | researched Sep 16 |
| 14063 | Fredonia | $185,000 | $132 | +2.8% | 48 | 97.5% | 12% | 3.2 | 42 | $866 | researched Sep 16 |
| 14701 | Jamestown | $71,000 | $65 | -29.7% | 77 | 95% | 10.2% | 10.2 | 236 | $784 | researched Sep 20 |
| 14702 | Jamestown | — | — | 0% | — | — | — | — | — | — | researched Sep 16 |
| 14712 | Bemus Point | $592,335 | $358 | +2.6% | 55 | 98% | — | — | 17 | $859 | researched Sep 19 |
| 14750 | Lakewood | $183,391 | $115 | 0% | 55 | 100% | — | — | 15 | $1,197 | researched Sep 18 |
| 14781 | Sherman | $185,000 | $112 | +2.8% | 68 | 97.5% | 12% | 4.6 | 14 | $838 | researched Sep 20 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Crime rates in Chautauqua County generally track below national averages for violent crime, though property crime remains a localized concern in larger population centers like Jamestown and Dunkirk.
School quality varies significantly across the county, with several districts maintaining strong academic performance while others face challenges related to declining enrollment and funding constraints.
The county faces seasonal risks from heavy lake-effect snow and localized flooding near Chautauqua Lake, with insurance premiums reflecting these regional climate exposures.
Economic momentum is driven by manufacturing, tourism, and higher education, with recent state grants aimed at accelerating residential development to address housing shortages.
Property taxes are levied by the county, towns, and school districts, with rates varying by jurisdiction; the county utilizes a standard assessment model with exemptions available for seniors, veterans, and agricultural properties.
The economy is anchored by manufacturing, healthcare, and the tourism sector centered around Chautauqua Lake, with ongoing efforts to revitalize local industrial corridors.
Transportation is primarily served by a network of state routes and highways, with limited public transit options outside of the main urban centers.
The county utilizes a centralized assessment process to determine property values for tax purposes, with periodic reassessments conducted by local municipalities.
The county is served by various special districts including fire, water, and sewer districts, alongside regional community college support structures.
Property insurance markets are stable but sensitive to regional weather risks, particularly lake-effect snow and water-related hazards.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A world-renowned center for arts, education, and religion that serves as a major cultural anchor for the region.
A major recreational destination offering boating, fishing, and seasonal tourism that drives the local economy.
Provides extensive outdoor recreational access including hiking, picnicking, and lakefront views.
Data retrieved from Census Reporter and QuickFacts.
applies when — Applies to residential rental property where at least 20% of units are subject to an agreement restricting occupancy to income-qualified tenants.
The assessed valuation must be determined using the income approach based on actual net operating income, excluding subsidies, tax credits, or grants used for development costs.
N.Y. Real Property Tax Law Section 581-A
New York is a judicial foreclosure state, meaning the lender must file a lawsuit in court to foreclose on a property. The process typically takes approximately one year from the start of the case to the sale of the home.
New York Real Property Actions and Proceedings Law
applies when — Applies to the sale of residential real property (up to four units).
Sellers are required to provide a Property Condition Disclosure Statement to the buyer. Failure to provide the statement may result in a credit of $500 to the buyer at closing. Knowingly false or incomplete statements may subject the seller to legal claims.
New York Real Property Law Article 14, Section 462
Real property is assessed by local jurisdictions based on a uniform percentage of value. The tax liability is calculated as (Assessed Value * Tax Rate) - Exemptions. Owners of one, two, or three-family owner-occupied residential property have the right to Small Claims Assessment Review (SCAR) to challenge assessments.
New York Real Property Tax Law Article 3 and 7
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.