Total monthly cost of ownership
Cost to Own a Home in Hurley, New York
A $327,000 home here costs
$2,848per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,681. The real number is $1,167 higher every month — 69% 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.
Hurley against Ulster County and New York
| Measure | Hurley | Ulster County |
|---|---|---|
| Median home value | $327,100 | $315,100 |
| Median property tax | $5,823 | $6,124 |
| Effective tax rate | 1.780% | 1.944% |
| Median gross rent | $1,115 | $1,335 |
| Population | 3,420 | 182,109 |
The weather behind that power bill
Hurley sits in Ulster County, which averages a high of 74.0°F in its hottest month and a low of 12.3°F in its coldest, with 63.08" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 149 cooling and 8,090 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Ulster County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ulster County
Full Ulster County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Hurley?
A $327,000 home in Hurley, New York costs approximately $2,848 per month with 20% down at 6.66%. That is $1,681 principal and interest, $485 property tax, $72 homeowners insurance, $337 utilities and $273 set aside for maintenance.
What is the property tax rate in Hurley?
Hurley has an effective property tax rate of 1.780%, based on a median home value of $327,100 and median real estate taxes of $5,823. That is lower than the Ulster County average of 1.944%.
What is the average home price in Hurley?
The median owner-occupied home value in Hurley, New York is $327,100, against $315,100 across Ulster County.
Is it cheaper to rent or buy in Hurley?
Median gross rent in Hurley is $1,115 a month, against $2,848 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 Hurley — 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.