Total monthly cost of ownership
Cost to Own a Home in Shortsville, New York
A $130,000 home here costs
$1,512per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $668. The real number is $844 higher every month — 126% 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.
Shortsville against Ontario County and New York
| Measure | Shortsville | Ontario County |
|---|---|---|
| Median home value | $129,500 | $202,900 |
| Median property tax | $4,418 | $4,460 |
| Effective tax rate | 3.412% | 2.198% |
| Median gross rent | $873 | $1,126 |
| Population | 1,806 | 112,405 |
The weather behind that power bill
Shortsville sits in Ontario County, which averages a high of 81.4°F in its hottest month and a low of 17.8°F in its coldest, with 35.19" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 632 cooling and 6,513 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Ontario County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ontario County
Full Ontario County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Shortsville?
A $130,000 home in Shortsville, New York costs approximately $1,512 per month with 20% down at 6.66%. That is $668 principal and interest, $370 property tax, $29 homeowners insurance, $337 utilities and $108 set aside for maintenance.
What is the property tax rate in Shortsville?
Shortsville has an effective property tax rate of 3.412%, based on a median home value of $129,500 and median real estate taxes of $4,418. That is higher than the Ontario County average of 2.198%.
What is the average home price in Shortsville?
The median owner-occupied home value in Shortsville, New York is $129,500, against $202,900 across Ontario County.
Is it cheaper to rent or buy in Shortsville?
Median gross rent in Shortsville is $873 a month, against $1,512 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 Shortsville — 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.