Total monthly cost of ownership
Cost to Own a Home in Ogdensburg, New Jersey
A $312,000 home here costs
$2,958per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,604. The real number is $1,354 higher every month — 84% 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.
Ogdensburg against Sussex County and New Jersey
| Measure | Ogdensburg | Sussex County |
|---|---|---|
| Median home value | $311,900 | $342,800 |
| Median property tax | $8,886 | $8,462 |
| Effective tax rate | 2.849% | 2.468% |
| Median gross rent | $1,390 | $1,503 |
| Population | 2,231 | 145,117 |
The weather behind that power bill
Ogdensburg sits in Sussex County, which averages a high of 83.6°F in its hottest month and a low of 18.0°F in its coldest, with 40.95" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 639 cooling and 6,048 heating degree days, which is what sets the $209 electricity line above.
See the full climate breakdown for Sussex County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sussex County
Full Sussex County cost breakdown · Every county in New Jersey
Common questions
How much does it cost to own a home in Ogdensburg?
A $312,000 home in Ogdensburg, New Jersey costs approximately $2,958 per month with 20% down at 6.66%. That is $1,604 principal and interest, $741 property tax, $76 homeowners insurance, $277 utilities and $260 set aside for maintenance.
What is the property tax rate in Ogdensburg?
Ogdensburg has an effective property tax rate of 2.849%, based on a median home value of $311,900 and median real estate taxes of $8,886. That is higher than the Sussex County average of 2.468%.
What is the average home price in Ogdensburg?
The median owner-occupied home value in Ogdensburg, New Jersey is $311,900, against $342,800 across Sussex County.
Is it cheaper to rent or buy in Ogdensburg?
Median gross rent in Ogdensburg is $1,390 a month, against $2,958 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 Ogdensburg — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for New Jersey.
- 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.