Total monthly cost of ownership
Cost to Own a Home in Granville, New York
A $141,000 home here costs
$1,521per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $725. The real number is $796 higher every month — 110% 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.
Granville against Washington County and New York
| Measure | Granville | Washington County |
|---|---|---|
| Median home value | $140,800 | $185,000 |
| Median property tax | $3,717 | $3,852 |
| Effective tax rate | 2.640% | 2.082% |
| Median gross rent | $684 | $1,000 |
| Population | 2,270 | 60,883 |
The weather behind that power bill
Granville sits in Washington County, which averages a high of 81.5°F in its hottest month and a low of 9.7°F in its coldest, with 38.21" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 407 cooling and 7,409 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Washington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Granville?
A $141,000 home in Granville, New York costs approximately $1,521 per month with 20% down at 6.66%. That is $725 principal and interest, $310 property tax, $31 homeowners insurance, $337 utilities and $118 set aside for maintenance.
What is the property tax rate in Granville?
Granville has an effective property tax rate of 2.640%, based on a median home value of $140,800 and median real estate taxes of $3,717. That is higher than the Washington County average of 2.082%.
What is the average home price in Granville?
The median owner-occupied home value in Granville, New York is $140,800, against $185,000 across Washington County.
Is it cheaper to rent or buy in Granville?
Median gross rent in Granville is $684 a month, against $1,521 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 Granville — 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.