Total monthly cost of ownership
Cost to Own a Home in Sparrow Bush, New York
A $215,000 home here costs
$1,983per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,105. The real number is $877 higher every month — 79% 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.
Sparrow Bush against Orange County and New York
| Measure | Sparrow Bush | Orange County |
|---|---|---|
| Median home value | $215,300 | $361,100 |
| Median property tax | $3,771 | $8,463 |
| Effective tax rate | 1.752% | 2.344% |
| Median gross rent | $1,325 | $1,602 |
| Population | 1,178 | 403,840 |
The weather behind that power bill
Sparrow Bush 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 $269 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
Common questions
How much does it cost to own a home in Sparrow Bush?
A $215,000 home in Sparrow Bush, New York costs approximately $1,983 per month with 20% down at 6.66%. That is $1,105 principal and interest, $314 property tax, $47 homeowners insurance, $337 utilities and $179 set aside for maintenance.
What is the property tax rate in Sparrow Bush?
Sparrow Bush has an effective property tax rate of 1.752%, based on a median home value of $215,300 and median real estate taxes of $3,771. That is lower than the Orange County average of 2.344%.
What is the average home price in Sparrow Bush?
The median owner-occupied home value in Sparrow Bush, New York is $215,300, against $361,100 across Orange County.
Is it cheaper to rent or buy in Sparrow Bush?
Median gross rent in Sparrow Bush is $1,325 a month, against $1,983 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 Sparrow Bush — 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.