The median home in Caroga Lake, New York is valued at $221,342, up 6.2% year over year. Caroga Lake is part of the Gloversville, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$221,342

+6.2%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$44,268 on $221,342

Example: $75,000 household income. Change it above to see your own.

Affordable25.4% of income

Under the 28% guideline.

PITI$1,586

P/I25.4%

Afford$244K

Room+$23K

P&I $1,119Tax $317Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Caroga Lake with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full Gloversville, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Gloversville, NY metro.

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Caroga Lake, NY