Total monthly cost of ownership
Cost to Own a Home in Keeseville, New York
A $124,000 home here costs
$1,259per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $637. The real number is $621 higher every month — 97% 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.
Keeseville against Clinton County and New York
| Measure | Keeseville | Clinton County |
|---|---|---|
| Median home value | $124,300 | $175,100 |
| Median property tax | $1,850 | $3,461 |
| Effective tax rate | 1.488% | 1.977% |
| Median gross rent | $1,061 | $956 |
| Population | 2,572 | 78,961 |
Keeseville extends across 2 counties. Figures here use Clinton County, where most of its housing sits.
The weather behind that power bill
Keeseville sits in Clinton County, which averages a high of 79.2°F in its hottest month and a low of 8.5°F in its coldest, with 43.36" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 390 cooling and 7,718 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Clinton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clinton County
Full Clinton County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Keeseville?
A $124,000 home in Keeseville, New York costs approximately $1,259 per month with 20% down at 6.66%. That is $637 principal and interest, $154 property tax, $27 homeowners insurance, $337 utilities and $103 set aside for maintenance.
What is the property tax rate in Keeseville?
Keeseville has an effective property tax rate of 1.488%, based on a median home value of $124,300 and median real estate taxes of $1,850. That is lower than the Clinton County average of 1.977%.
What is the average home price in Keeseville?
The median owner-occupied home value in Keeseville, New York is $124,300, against $175,100 across Clinton County.
Is it cheaper to rent or buy in Keeseville?
Median gross rent in Keeseville is $1,061 a month, against $1,259 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 Keeseville — 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.