Total monthly cost of ownership
Cost to Own a Home in Whitehall, New York
A $101,000 home here costs
$1,150per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $49,500 a year.
A standard mortgage calculator would have told you $551. The real number is $599 higher every month, 109% more than the payment most buyers budget for.
Compare Washington County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Whitehall from a five-year rolling sample, and with about 2,693 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Washington County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Whitehall against Washington County and New York
| Measure | Whitehall | Washington County |
|---|---|---|
| Median home value | $100,600 | $185,000 |
| Median property tax | $3,121 | $3,852 |
| Effective tax rate | 3.102% | 2.082% |
| Median gross rent | $991 | $1,000 |
| Population | 2,693 | 60,883 |
The weather behind that power bill
Whitehall sits in Washington County, which averages a high of 81.5°F in its hottest month and a low of 9.7°F in its coldest, with 38.21" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 407 cooling and 7,409 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Washington County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in New York
Talk to someone who works this market
These are Whitehall averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Whitehall every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Whitehall I already own here and may sell
Common questions
How much does it cost to own a home in Whitehall?
A $101,000 home in Whitehall, New York costs approximately $1,150 per month with 20% down at 7.24%. That is $551 principal and interest, $261 property tax, $22 homeowners insurance, $232 utilities and $84 set aside for maintenance.
What is the property tax rate in Whitehall?
Whitehall has an effective property tax rate of 3.102%, based on a median home value of $100,600 and median real estate taxes of $3,121. That is higher than the Washington County average of 2.082%.
What is the average home price in Whitehall?
The median owner-occupied home value in Whitehall, New York is $100,600, against $185,000 across Washington County.
Is it cheaper to rent or buy in Whitehall?
Median gross rent in Whitehall is $991 a month, against $1,150 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Whitehall?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Whitehall, New York at today's rate takes a household income of roughly $49,500 a year. That covers the full $1,150 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Whitehall, 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.