Total monthly cost of ownership
Cost to Own a Home in St. Johnsville, New York
A $81,000 home here costs
$1,009per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $416. The real number is $592 higher every month — 142% 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.
St. Johnsville against Montgomery County and New York
| Measure | St. Johnsville | Montgomery County |
|---|---|---|
| Median home value | $81,300 | $141,600 |
| Median property tax | $2,046 | $3,630 |
| Effective tax rate | 2.517% | 2.564% |
| Median gross rent | $767 | $921 |
| Population | 1,882 | 49,461 |
The weather behind that power bill
St. Johnsville sits in Montgomery County, which averages a high of 76.7°F in its hottest month and a low of 7.1°F in its coldest, with 50.73" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 164 cooling and 8,675 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Montgomery County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Montgomery County
Full Montgomery County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in St. Johnsville?
A $81,000 home in St. Johnsville, New York costs approximately $1,009 per month with 20% down at 6.66%. That is $416 principal and interest, $170 property tax, $18 homeowners insurance, $337 utilities and $68 set aside for maintenance.
What is the property tax rate in St. Johnsville?
St. Johnsville has an effective property tax rate of 2.517%, based on a median home value of $81,300 and median real estate taxes of $2,046. That is lower than the Montgomery County average of 2.564%.
What is the average home price in St. Johnsville?
The median owner-occupied home value in St. Johnsville, New York is $81,300, against $141,600 across Montgomery County.
Is it cheaper to rent or buy in St. Johnsville?
Median gross rent in St. Johnsville is $767 a month, against $1,009 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 St. Johnsville — 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.