Total monthly cost of ownership
Cost to Own a Home in Sidney, New York
A $116,000 home here costs
$1,339per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $596. The real number is $742 higher every month — 124% 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.
Sidney against Delaware County and New York
| Measure | Sidney | Delaware County |
|---|---|---|
| Median home value | $116,100 | $176,200 |
| Median property tax | $3,399 | $3,059 |
| Effective tax rate | 2.928% | 1.736% |
| Median gross rent | $815 | $848 |
| Population | 3,865 | 44,551 |
The weather behind that power bill
Sidney sits in Delaware County, which averages a high of 79.6°F in its hottest month and a low of 11.6°F in its coldest, with 48.65" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 305 cooling and 7,449 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Delaware County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Delaware County
Full Delaware County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Sidney?
A $116,000 home in Sidney, New York costs approximately $1,339 per month with 20% down at 6.66%. That is $596 principal and interest, $283 property tax, $26 homeowners insurance, $337 utilities and $97 set aside for maintenance.
What is the property tax rate in Sidney?
Sidney has an effective property tax rate of 2.928%, based on a median home value of $116,100 and median real estate taxes of $3,399. That is higher than the Delaware County average of 1.736%.
What is the average home price in Sidney?
The median owner-occupied home value in Sidney, New York is $116,100, against $176,200 across Delaware County.
Is it cheaper to rent or buy in Sidney?
Median gross rent in Sidney is $815 a month, against $1,339 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 Sidney — 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.