Total monthly cost of ownership
Cost to Own a Home in Gouverneur, New York
A $108,000 home here costs
$1,195per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $555. The real number is $640 higher every month — 115% 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.
Gouverneur against St. Lawrence County and New York
| Measure | Gouverneur | St. Lawrence County |
|---|---|---|
| Median home value | $107,500 | $119,800 |
| Median property tax | $2,261 | $2,735 |
| Effective tax rate | 2.103% | 2.283% |
| Median gross rent | $842 | $799 |
| Population | 3,623 | 107,796 |
The weather behind that power bill
Gouverneur sits in St. Lawrence County, which averages a high of 79.6°F in its hottest month and a low of 6.6°F in its coldest, with 38.19" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 431 cooling and 7,844 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for St. Lawrence County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Lawrence County
Full St. Lawrence County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Gouverneur?
A $108,000 home in Gouverneur, New York costs approximately $1,195 per month with 20% down at 6.66%. That is $555 principal and interest, $189 property tax, $24 homeowners insurance, $337 utilities and $90 set aside for maintenance.
What is the property tax rate in Gouverneur?
Gouverneur has an effective property tax rate of 2.103%, based on a median home value of $107,500 and median real estate taxes of $2,261. That is lower than the St. Lawrence County average of 2.283%.
What is the average home price in Gouverneur?
The median owner-occupied home value in Gouverneur, New York is $107,500, against $119,800 across St. Lawrence County.
Is it cheaper to rent or buy in Gouverneur?
Median gross rent in Gouverneur is $842 a month, against $1,195 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 Gouverneur — 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.