Housing in Covert

A typical Covert home is worth roughly $227,000

Typical home value

$227K

NY $527K

Estimate

2-bedroom rent

$1,350

a month, utilities in · HUD

Median tax bill

$3,724

NY $6,582

What kind of housing town is Covert?

Read from the numbers below. The page puts what stands out first.

Your money goes further57% below the New York typical home.A second-home town21% of homes are seasonal or vacation homes.Older homesThe typical home was built around 1942.

★ What stands out · Affordability

A typical home costs 3 years of income

Less than across New York (6.1 years). Try your own numbers below.

You could afford about

$268,000

Typical Covert home $227K

That covers a typical Covert home, with $41K to spare.

The typical home, each month

$1,500

Loan $1,130Tax $310Insurance $70

A two-bedroom rents for about $1,350 a month here, $150 less than owning.

Where your budget reaches nearby

Lansing$346K Ovid$223K Ulysses$275K Lodi$320K Genoa$241K

An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Covert’s typical property tax (1.64% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.

The homes

83% of Covert households own their home

Half of Covert’s homes were built before 1942.

Owners and renters

Own 83%Rent 17%

New York: 54% own.

1942

typical home built · NY 1959

$3,724

median property tax bill · NY $6,582

1.64%

of a home’s value, a year in tax · NY 1.55%

21%

of homes are seasonal or vacation homes

U.S. Census Bureau, American Community Survey 2020-2024.

Renting

A two-bedroom rents for about $1,350

Renters already here pay a median of $1,257.

Fair Market Rent a month, utilities included

Studio$1,020

1 bedroom$1,100

2 bedrooms$1,350

3 bedrooms$1,760

4 bedrooms$2,160

17%

of households rent · NY 46%

126

renter households

43%

of renters spend 30%+ of income on rent · NY 52%

21%

of the median income, for a two-bedroom

$1,257

median rent paid today · Census

U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Seneca County, NY): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.

Next door

Covert vs. its neighbors

Covert is the 2nd least expensive of 6 neighboring towns. Tap one to see its housing page.

Lansing$346K Lodi$320K Ulysses$275K Genoa$241K Covert$227K Ovid$223K

Compare more

Town	Typical value	1-yr change	2-bed rent	New homes 2025	Median income
Covert	$227K*	—	$1,350	—	$75,688
Lansing	$346K*	—	$1,710	37	$86,342
Ovid	$223K	+7.1%	$1,200	—	$63,594
Ulysses	$275K*	+8.2%†	$1,640	8	$71,400
Lodi	$320K	+10.2%	$1,300	—	$78,489
Genoa	$241K*	—	$1,510	3	$92,833

Typical value: Zillow Home Value Index; * Census median home value where Zillow has none. † FHFA price index change where Zillow has none. Rent: HUD Fair Market Rent. New homes: Census building permits.

Neighbors talk housing

What Covert buyers, sellers and renters are saying.

Town Square →

Weigh in

Is Covert still affordable for young families?

Your answer becomes a post in Town Square.

Start the conversation

Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers. The calculator is an estimate, not a loan offer.