Total monthly cost of ownership
Cost to Own a Home in Middleburgh, New York
A $180,000 home here costs
$1,845per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $925. The real number is $920 higher every month — 99% 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.
Middleburgh against Schoharie County and New York
| Measure | Middleburgh | Schoharie County |
|---|---|---|
| Median home value | $180,200 | $182,000 |
| Median property tax | $4,724 | $3,977 |
| Effective tax rate | 2.622% | 2.185% |
| Median gross rent | $954 | $916 |
| Population | 1,231 | 29,979 |
The weather behind that power bill
Middleburgh sits in Schoharie County, which averages a high of 79.5°F in its hottest month and a low of 11.6°F in its coldest, with 40.69" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 381 cooling and 7,418 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Schoharie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Schoharie County
Full Schoharie County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Middleburgh?
A $180,000 home in Middleburgh, New York costs approximately $1,845 per month with 20% down at 6.66%. That is $925 principal and interest, $393 property tax, $40 homeowners insurance, $337 utilities and $150 set aside for maintenance.
What is the property tax rate in Middleburgh?
Middleburgh has an effective property tax rate of 2.622%, based on a median home value of $180,200 and median real estate taxes of $4,724. That is higher than the Schoharie County average of 2.185%.
What is the average home price in Middleburgh?
The median owner-occupied home value in Middleburgh, New York is $180,200, against $182,000 across Schoharie County.
Is it cheaper to rent or buy in Middleburgh?
Median gross rent in Middleburgh is $954 a month, against $1,845 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 Middleburgh — 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.