Total monthly cost of ownership
Cost to Own a Home in Dundee, New York
A $90,000 home here costs
$1,124per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $463. The real number is $661 higher every month — 143% 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.
Dundee against Yates County and New York
| Measure | Dundee | Yates County |
|---|---|---|
| Median home value | $89,600 | $178,000 |
| Median property tax | $2,740 | $3,417 |
| Effective tax rate | 3.058% | 1.920% |
| Median gross rent | $652 | $802 |
| Population | 2,003 | 24,637 |
The weather behind that power bill
Dundee sits in Yates County, which averages a high of 81.4°F in its hottest month and a low of 17.5°F in its coldest, with 30.24" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 596 cooling and 6,505 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Yates County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Yates County
Common questions
How much does it cost to own a home in Dundee?
A $90,000 home in Dundee, New York costs approximately $1,124 per month with 20% down at 6.66%. That is $463 principal and interest, $229 property tax, $20 homeowners insurance, $337 utilities and $75 set aside for maintenance.
What is the property tax rate in Dundee?
Dundee has an effective property tax rate of 3.058%, based on a median home value of $89,600 and median real estate taxes of $2,740. That is higher than the Yates County average of 1.920%.
What is the average home price in Dundee?
The median owner-occupied home value in Dundee, New York is $89,600, against $178,000 across Yates County.
Is it cheaper to rent or buy in Dundee?
Median gross rent in Dundee is $652 a month, against $1,124 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 Dundee — 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.