Total monthly cost of ownership
Cost to Own a Home in Thiells, New York
A $532,000 home here costs
$4,465per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,735. The real number is $1,730 higher every month — 63% 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.
Thiells against Rockland County and New York
| Measure | Thiells | Rockland County |
|---|---|---|
| Median home value | $532,200 | $564,200 |
| Median property tax | $10,001 | $10,001 |
| Effective tax rate | 1.879% | 1.773% |
| Median gross rent | $1,739 | $1,826 |
| Population | 4,539 | 338,936 |
The weather behind that power bill
Thiells sits in Rockland County, which averages a high of 83.2°F in its hottest month and a low of 22.4°F in its coldest, with 47.75" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 787 cooling and 5,492 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Rockland County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rockland County
Full Rockland County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Thiells?
A $532,000 home in Thiells, New York costs approximately $4,465 per month with 20% down at 6.66%. That is $2,735 principal and interest, $833 property tax, $117 homeowners insurance, $337 utilities and $443 set aside for maintenance.
What is the property tax rate in Thiells?
Thiells has an effective property tax rate of 1.879%, based on a median home value of $532,200 and median real estate taxes of $10,001. That is higher than the Rockland County average of 1.773%.
What is the average home price in Thiells?
The median owner-occupied home value in Thiells, New York is $532,200, against $564,200 across Rockland County.
Is it cheaper to rent or buy in Thiells?
Median gross rent in Thiells is $1,739 a month, against $4,465 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 Thiells — 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.