Total monthly cost of ownership
Cost to Own a Home in Plattsburgh, New York
A $190,000 home here costs
$1,955per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $977. The real number is $978 higher every month — 100% 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.
Plattsburgh against Clinton County and New York
| Measure | Plattsburgh | Clinton County |
|---|---|---|
| Median home value | $189,600 | $175,100 |
| Median property tax | $5,276 | $3,461 |
| Effective tax rate | 2.783% | 1.977% |
| Median gross rent | $964 | $956 |
| Population | 19,878 | 78,961 |
The weather behind that power bill
Plattsburgh 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 Plattsburgh?
A $190,000 home in Plattsburgh, New York costs approximately $1,955 per month with 20% down at 6.66%. That is $977 principal and interest, $441 property tax, $42 homeowners insurance, $337 utilities and $158 set aside for maintenance.
What is the property tax rate in Plattsburgh?
Plattsburgh has an effective property tax rate of 2.783%, based on a median home value of $189,600 and median real estate taxes of $5,276. That is higher than the Clinton County average of 1.977%.
What is the average home price in Plattsburgh?
The median owner-occupied home value in Plattsburgh, New York is $189,600, against $175,100 across Clinton County.
Is it cheaper to rent or buy in Plattsburgh?
Median gross rent in Plattsburgh is $964 a month, against $1,955 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 Plattsburgh — 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.