Total monthly cost of ownership
Cost to Own a Home in Bath, New York
A $104,000 home here costs
$1,253per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $535. The real number is $718 higher every month — 134% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bath against Steuben County and New York
| Measure | Bath | Steuben County |
|---|---|---|
| Median home value | $104,300 | $128,600 |
| Median property tax | $3,266 | $3,245 |
| Effective tax rate | 3.131% | 2.523% |
| Median gross rent | $750 | $878 |
| Population | 5,595 | 93,034 |
The weather behind that power bill
Bath sits in Steuben County, which averages a high of 82.4°F in its hottest month and a low of 16.4°F in its coldest, with 32.36" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 490 cooling and 6,648 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Steuben County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Steuben County
Full Steuben County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Bath?
A $104,000 home in Bath, New York costs approximately $1,253 per month with 20% down at 6.66%. That is $535 principal and interest, $271 property tax, $23 homeowners insurance, $337 utilities and $87 set aside for maintenance.
What is the property tax rate in Bath?
Bath has an effective property tax rate of 3.131%, based on a median home value of $104,300 and median real estate taxes of $3,266. That is higher than the Steuben County average of 2.523%.
What is the average home price in Bath?
The median owner-occupied home value in Bath, New York is $104,300, against $128,600 across Steuben County.
Is it cheaper to rent or buy in Bath?
Median gross rent in Bath is $750 a month, against $1,253 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bath — 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.