Total monthly cost of ownership
Cost to Own a Home in Endicott, New York
A $110,000 home here costs
$1,372per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $566. The real number is $806 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.
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 $269 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
Common questions
How much does it cost to own a home in Endicott?
A $110,000 home in Endicott, New York costs approximately $1,372 per month with 20% down at 6.66%. That is $566 principal and interest, $353 property tax, $24 homeowners insurance, $337 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 $1,372 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 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.