Total monthly cost of ownership
Cost to Own a Home in Rock Hill, New York
A $416,000 home here costs
$3,591per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,139. The real number is $1,452 higher every month — 68% 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.
Rock Hill against Sullivan County and New York
| Measure | Rock Hill | Sullivan County |
|---|---|---|
| Median home value | $416,000 | $234,800 |
| Median property tax | $8,125 | $5,082 |
| Effective tax rate | 1.953% | 2.164% |
| Median gross rent | $1,466 | $999 |
| Population | 2,530 | 79,147 |
The weather behind that power bill
Rock Hill sits in Sullivan County, which averages a high of 78.9°F in its hottest month and a low of 13.2°F in its coldest, with 53.08" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 292 cooling and 7,444 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Sullivan County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sullivan County
Full Sullivan County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Rock Hill?
A $416,000 home in Rock Hill, New York costs approximately $3,591 per month with 20% down at 6.66%. That is $2,139 principal and interest, $677 property tax, $92 homeowners insurance, $337 utilities and $347 set aside for maintenance.
What is the property tax rate in Rock Hill?
Rock Hill has an effective property tax rate of 1.953%, based on a median home value of $416,000 and median real estate taxes of $8,125. That is lower than the Sullivan County average of 2.164%.
What is the average home price in Rock Hill?
The median owner-occupied home value in Rock Hill, New York is $416,000, against $234,800 across Sullivan County.
Is it cheaper to rent or buy in Rock Hill?
Median gross rent in Rock Hill is $1,466 a month, against $3,591 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 Rock Hill — 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.