Total monthly cost of ownership
Cost to Own a Home in Fulton, New York
A $101,000 home here costs
$1,240per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $519. The real number is $721 higher every month — 139% 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.
Fulton against Oswego County and New York
| Measure | Fulton | Oswego County |
|---|---|---|
| Median home value | $100,900 | $139,600 |
| Median property tax | $3,322 | $3,595 |
| Effective tax rate | 3.292% | 2.575% |
| Median gross rent | $856 | $943 |
| Population | 11,339 | 117,945 |
The weather behind that power bill
Fulton 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 Fulton?
A $101,000 home in Fulton, New York costs approximately $1,240 per month with 20% down at 6.66%. That is $519 principal and interest, $277 property tax, $22 homeowners insurance, $337 utilities and $84 set aside for maintenance.
What is the property tax rate in Fulton?
Fulton has an effective property tax rate of 3.292%, based on a median home value of $100,900 and median real estate taxes of $3,322. That is higher than the Oswego County average of 2.575%.
What is the average home price in Fulton?
The median owner-occupied home value in Fulton, New York is $100,900, against $139,600 across Oswego County.
Is it cheaper to rent or buy in Fulton?
Median gross rent in Fulton is $856 a month, against $1,240 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 Fulton — 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.