Canajoharie, NY—13317
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Canajoharie, NY
As of Oct '25, the median home price in Canajoharie, NY is $176,000, with a year-over-year change of -2.2%. This indicates that home prices in Canajoharie, NY are decreasing. According to Zillow, the 1-year price projection is 0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $176,000 | -2.2% |
| Single Family | $176,000 | -2.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $141,000 | -4.1% |
3 Bed | $178,000 | -3.3% |
4 Bed | $198,000 | -2.5% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Canajoharie, NY
Canajoharie, NY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Canajoharie, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Canajoharie, NY is 64. This is a decrease of -25.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 8.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $170,000 | -26.0% |
Listing Count | 26 | 77.0% |
| Listings as % of Homes | 1.1% | 77.0% |
Days on Market | 64 | -25.0% |
Demographics — Canajoharie, NY
As of the latest ACS Survey released in 2023, Canajoharie, NY has a population of 3,970, which has remained stable by 0.4% over the past 5 years. Canajoharie, NY is a popular place for families, as children make up 34.2% of the population. The area has a poorly educated workforce, with 18.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,970 | 0.4% |
% Under 18 | 34.2% | 34.1% |
% Seniors | 12.0% | -11.1% |
% WFH | 5.4% | 25.6% |
% w/ College Degree | 18.5% | 2.8% |
As of the latest ACS Survey released in 2023, Canajoharie, NY is a predominantly white area, with 95.0% of the population identifying as white. The white population has grown by 4.3% in the last 5 years. The second most common race or ethnicity in Canajoharie, NY is hispanic, making up 1.8% of the population. Foreign-born residents account for 1.4% of the population in Canajoharie, NY, and this percentage has decreased by 46.2% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 95.0% | 4.3% |
% Black | 0.5% | -66.7% |
% Hispanic | 1.8% | -35.7% |
% Asian | 0.5% | -37.5% |
% Foreign Born | 1.4% | -46.2% |
Mortgage and Risk — Canajoharie, NY
According to HUD data as of 2023, there were 57 mortgage originations in Canajoharie, NY, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Canajoharie, NY. Investor activity is low, as 0.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 57 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Canajoharie, NY
Canajoharie, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 68 |
Total Units Section 8 | 68 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 61.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $810 |
| 2 Bedroom | N/A | N/A | $960 |
| 3 Bedroom | N/A | N/A | $1,220 |
| 4 Bedroom | N/A | N/A | $1,280 |
Affordability — Canajoharie, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $176,000 |
| Median Household Income | $69,200 |