The median home in Elba, New York is valued at $190,457, down 3.4% year over year. Elba is part of the Batavia, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$190,457

-3.4%

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$38,091 on $190,457

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

Affordable22.2% of income

Under the 28% guideline.

PITI$1,386

P/I22.2%

Afford$240K

Room+$50K

P&I $963Tax $273Ins $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 Elba 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 Batavia, NY analysis

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

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Elba, NY