Total monthly cost of ownership
Cost to Own a Home in Endicott, New York
A $110,000 home here costs
$1,300per 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 $55,500 a year.
A standard mortgage calculator would have told you $600. The real number is $701 higher every month, 117% more than the payment most buyers budget for.
Compare Broome County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Endicott against Broome County and New York
| Measure | Endicott | Broome County |
|---|---|---|
| Median home value | $109,800 | $145,100 |
| Median property tax | $4,229 | $3,824 |
| Effective tax rate | 3.852% | 2.635% |
| Median gross rent | $822 | $914 |
| Population | 13,456 | 197,738 |
The weather behind that power bill
Endicott sits in Broome County, which averages a high of 78.4°F in its hottest month and a low of 15.5°F in its coldest, with 42.04" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 383 cooling and 7,162 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Broome County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Broome County
Full Broome County cost breakdown · Every county in New York
Talk to someone who works this market
These are Endicott 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 Endicott every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Endicott I already own here and may sell
Common questions
How much does it cost to own a home in Endicott?
A $110,000 home in Endicott, New York costs approximately $1,300 per month with 20% down at 7.24%. That is $600 principal and interest, $353 property tax, $24 homeowners insurance, $232 utilities and $92 set aside for maintenance.
What is the property tax rate in Endicott?
Endicott has an effective property tax rate of 3.852%, based on a median home value of $109,800 and median real estate taxes of $4,229. That is higher than the Broome County average of 2.635%.
What is the average home price in Endicott?
The median owner-occupied home value in Endicott, New York is $109,800, against $145,100 across Broome County.
Is it cheaper to rent or buy in Endicott?
Median gross rent in Endicott is $822 a month, against $1,300 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Endicott?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Endicott, New York at today's rate takes a household income of roughly $55,500 a year. That covers the full $1,300 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Endicott, 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.