Total monthly cost of ownership
Cost to Own a Home in Port Jervis, New York
A $221,000 home here costs
$2,080per 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 $89,000 a year.
A standard mortgage calculator would have told you $1,205. The real number is $875 higher every month, 73% more than the payment most buyers budget for.
Compare Orange 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.
Port Jervis against Orange County and New York
| Measure | Port Jervis | Orange County |
|---|---|---|
| Median home value | $220,700 | $361,100 |
| Median property tax | $4,921 | $8,463 |
| Effective tax rate | 2.230% | 2.344% |
| Median gross rent | $1,247 | $1,602 |
| Population | 8,709 | 403,840 |
The weather behind that power bill
Port Jervis sits in Orange County, which averages a high of 83.6°F in its hottest month and a low of 17.3°F in its coldest, with 40.99" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 617 cooling and 6,266 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Orange County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orange County
Full Orange County cost breakdown · Every county in New York
Talk to someone who works this market
These are Port Jervis 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 Port Jervis every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Port Jervis I already own here and may sell
Common questions
How much does it cost to own a home in Port Jervis?
A $221,000 home in Port Jervis, New York costs approximately $2,080 per month with 20% down at 7.24%. That is $1,205 principal and interest, $411 property tax, $49 homeowners insurance, $232 utilities and $184 set aside for maintenance.
What is the property tax rate in Port Jervis?
Port Jervis has an effective property tax rate of 2.230%, based on a median home value of $220,700 and median real estate taxes of $4,921. That is lower than the Orange County average of 2.344%.
What is the average home price in Port Jervis?
The median owner-occupied home value in Port Jervis, New York is $220,700, against $361,100 across Orange County.
Is it cheaper to rent or buy in Port Jervis?
Median gross rent in Port Jervis is $1,247 a month, against $2,080 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 Port Jervis?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Port Jervis, New York at today's rate takes a household income of roughly $89,000 a year. That covers the full $2,080 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Port Jervis, 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.