Total monthly cost of ownership
Cost to Own a Home in Brighton, New York
A $259,000 home here costs
$2,543per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,332. The real number is $1,211 higher every month — 91% 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.
Brighton against Monroe County and New York
| Measure | Brighton | Monroe County |
|---|---|---|
| Median home value | $259,300 | $197,100 |
| Median property tax | $7,221 | $5,495 |
| Effective tax rate | 2.785% | 2.788% |
| Median gross rent | $1,272 | $1,126 |
| Population | 36,633 | 754,068 |
The weather behind that power bill
Brighton sits in Monroe County, which averages a high of 82.5°F in its hottest month and a low of 19.0°F in its coldest, with 35.09" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 677 cooling and 6,273 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Monroe County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Monroe County
Full Monroe County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Brighton?
A $259,000 home in Brighton, New York costs approximately $2,543 per month with 20% down at 6.66%. That is $1,332 principal and interest, $601 property tax, $57 homeowners insurance, $337 utilities and $216 set aside for maintenance.
What is the property tax rate in Brighton?
Brighton has an effective property tax rate of 2.785%, based on a median home value of $259,300 and median real estate taxes of $7,221. That is in line with the Monroe County average of 2.788%.
What is the average home price in Brighton?
The median owner-occupied home value in Brighton, New York is $259,300, against $197,100 across Monroe County.
Is it cheaper to rent or buy in Brighton?
Median gross rent in Brighton is $1,272 a month, against $2,543 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 Brighton — 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.