Total monthly cost of ownership
Cost to Own a Home in Ticonderoga, New York
A $152,000 home here costs
$1,475per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $781. The real number is $694 higher every month — 89% 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.
Ticonderoga against Essex County and New York
| Measure | Ticonderoga | Essex County |
|---|---|---|
| Median home value | $152,000 | $200,000 |
| Median property tax | $2,357 | $3,111 |
| Effective tax rate | 1.551% | 1.555% |
| Median gross rent | $829 | $890 |
| Population | 3,375 | 37,077 |
The weather behind that power bill
Ticonderoga sits in Essex County, which averages a high of 76.6°F in its hottest month and a low of 2.3°F in its coldest, with 36.61" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 120 cooling and 9,302 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Essex County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Essex County
Common questions
How much does it cost to own a home in Ticonderoga?
A $152,000 home in Ticonderoga, New York costs approximately $1,475 per month with 20% down at 6.66%. That is $781 principal and interest, $196 property tax, $33 homeowners insurance, $337 utilities and $127 set aside for maintenance.
What is the property tax rate in Ticonderoga?
Ticonderoga has an effective property tax rate of 1.551%, based on a median home value of $152,000 and median real estate taxes of $2,357. That is in line with the Essex County average of 1.555%.
What is the average home price in Ticonderoga?
The median owner-occupied home value in Ticonderoga, New York is $152,000, against $200,000 across Essex County.
Is it cheaper to rent or buy in Ticonderoga?
Median gross rent in Ticonderoga is $829 a month, against $1,475 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 Ticonderoga — 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.