Total monthly cost of ownership
Cost to Own a Home in Adams Center, New York
A $178,000 home here costs
$1,614per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $69,000 a year.
A standard mortgage calculator would have told you $970. The real number is $643 higher every month, 66% more than the payment most buyers budget for.
Compare Jefferson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Adams Center from a five-year rolling sample, and with about 1,002 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Jefferson County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Adams Center against Jefferson County and New York
| Measure | Adams Center | Jefferson County |
|---|---|---|
| Median home value | $178,100 | $181,000 |
| Median property tax | $2,690 | $2,851 |
| Effective tax rate | 1.510% | 1.575% |
| Median gross rent | — | $1,214 |
| Population | 1,002 | 116,130 |
The weather behind that power bill
Adams Center sits in Jefferson County, which averages a high of 79.2°F in its hottest month and a low of 10.0°F in its coldest, with 37.07" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 386 cooling and 7,524 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Jefferson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in New York
Talk to someone who works this market
These are Adams Center averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Adams Center every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Adams Center I already own here and may sell
Common questions
How much does it cost to own a home in Adams Center?
A $178,000 home in Adams Center, New York costs approximately $1,614 per month with 20% down at 7.24%. That is $970 principal and interest, $224 property tax, $39 homeowners insurance, $232 utilities and $148 set aside for maintenance.
What is the property tax rate in Adams Center?
Adams Center has an effective property tax rate of 1.510%, based on a median home value of $178,100 and median real estate taxes of $2,690. That is lower than the Jefferson County average of 1.575%.
What is the average home price in Adams Center?
The median owner-occupied home value in Adams Center, New York is $178,100, against $181,000 across Jefferson County.
Is it cheaper to rent or buy in Adams Center?
Rent data is not published for Adams Center at this level of detail.
What salary do you need to buy a home in Adams Center?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Adams Center, New York at today's rate takes a household income of roughly $69,000 a year. That covers the full $1,614 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Adams Center, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for New York.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.