Total monthly cost of ownership
Cost to Own a Home in Massena, New York
A $99,000 home here costs
$1,135per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $48,500 a year.
A standard mortgage calculator would have told you $540. The real number is $595 higher every month, 110% more than the payment most buyers budget for.
Compare St. Lawrence County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Massena against St. Lawrence County and New York
| Measure | Massena | St. Lawrence County |
|---|---|---|
| Median home value | $99,200 | $119,800 |
| Median property tax | $3,114 | $2,735 |
| Effective tax rate | 3.139% | 2.283% |
| Median gross rent | $680 | $799 |
| Population | 10,234 | 107,796 |
The weather behind that power bill
Massena 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 $164 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
Talk to someone who works this market
These are Massena averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Massena every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Massena I already own here and may sell
Common questions
How much does it cost to own a home in Massena?
A $99,000 home in Massena, New York costs approximately $1,135 per month with 20% down at 7.24%. That is $540 principal and interest, $259 property tax, $22 homeowners insurance, $232 utilities and $83 set aside for maintenance.
What is the property tax rate in Massena?
Massena has an effective property tax rate of 3.139%, based on a median home value of $99,200 and median real estate taxes of $3,114. That is higher than the St. Lawrence County average of 2.283%.
What is the average home price in Massena?
The median owner-occupied home value in Massena, New York is $99,200, against $119,800 across St. Lawrence County.
Is it cheaper to rent or buy in Massena?
Median gross rent in Massena is $680 a month, against $1,135 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Massena?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Massena, New York at today's rate takes a household income of roughly $48,500 a year. That covers the full $1,135 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Massena, 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.