Total monthly cost of ownership
Cost to Own a Home in Constantia, New York
A $168,000 home here costs
$1,735per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $864. The real number is $871 higher every month — 101% 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.
Constantia against Oswego County and New York
| Measure | Constantia | Oswego County |
|---|---|---|
| Median home value | $167,700 | $139,600 |
| Median property tax | $4,276 | $3,595 |
| Effective tax rate | 2.550% | 2.575% |
| Median gross rent | — | $943 |
| Population | 1,405 | 117,945 |
The weather behind that power bill
Constantia sits in Oswego County, which averages a high of 80.3°F in its hottest month and a low of 15.8°F in its coldest, with 39.56" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 468 cooling and 6,898 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Oswego County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Oswego County
Full Oswego County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Constantia?
A $168,000 home in Constantia, New York costs approximately $1,735 per month with 20% down at 6.66%. That is $864 principal and interest, $357 property tax, $37 homeowners insurance, $337 utilities and $140 set aside for maintenance.
What is the property tax rate in Constantia?
Constantia has an effective property tax rate of 2.550%, based on a median home value of $167,700 and median real estate taxes of $4,276. That is lower than the Oswego County average of 2.575%.
What is the average home price in Constantia?
The median owner-occupied home value in Constantia, New York is $167,700, against $139,600 across Oswego County.
Is it cheaper to rent or buy in Constantia?
Rent data is not published for Constantia at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Constantia — 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.