Total monthly cost of ownership
Cost to Own a Home in Ogdensburg, New York
A $82,000 home here costs
$990per 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 $42,500 a year.
A standard mortgage calculator would have told you $447. The real number is $543 higher every month, 121% 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.
Ogdensburg against St. Lawrence County and New York
| Measure | Ogdensburg | St. Lawrence County |
|---|---|---|
| Median home value | $82,100 | $119,800 |
| Median property tax | $2,704 | $2,735 |
| Effective tax rate | 3.294% | 2.283% |
| Median gross rent | $761 | $799 |
| Population | 9,600 | 107,796 |
The weather behind that power bill
Ogdensburg 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 Ogdensburg 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 Ogdensburg every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Ogdensburg I already own here and may sell
Common questions
How much does it cost to own a home in Ogdensburg?
A $82,000 home in Ogdensburg, New York costs approximately $990 per month with 20% down at 7.24%. That is $447 principal and interest, $225 property tax, $18 homeowners insurance, $232 utilities and $68 set aside for maintenance.
What is the property tax rate in Ogdensburg?
Ogdensburg has an effective property tax rate of 3.294%, based on a median home value of $82,100 and median real estate taxes of $2,704. That is higher than the St. Lawrence County average of 2.283%.
What is the average home price in Ogdensburg?
The median owner-occupied home value in Ogdensburg, New York is $82,100, against $119,800 across St. Lawrence County.
Is it cheaper to rent or buy in Ogdensburg?
Median gross rent in Ogdensburg is $761 a month, against $990 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 Ogdensburg?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Ogdensburg, New York at today's rate takes a household income of roughly $42,500 a year. That covers the full $990 monthly cost, not just the mortgage payment.
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 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.