Total monthly cost of ownership
Cost to Own a Home in Windsor, New York
A $127,000 home here costs
$1,418per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $653. The real number is $765 higher every month — 117% 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.
Windsor against Broome County and New York
| Measure | Windsor | Broome County |
|---|---|---|
| Median home value | $126,600 | $145,100 |
| Median property tax | $3,519 | $3,824 |
| Effective tax rate | 2.780% | 2.635% |
| Median gross rent | $617 | $914 |
| Population | 1,121 | 197,738 |
The weather behind that power bill
Windsor sits in Broome County, which averages a high of 78.4°F in its hottest month and a low of 15.5°F in its coldest, with 42.04" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 383 cooling and 7,162 heating degree days, which is what sets the $269 electricity line above.
See the full climate breakdown for Broome County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Broome County
Full Broome County cost breakdown · Every county in New York
Common questions
How much does it cost to own a home in Windsor?
A $127,000 home in Windsor, New York costs approximately $1,418 per month with 20% down at 6.66%. That is $653 principal and interest, $294 property tax, $28 homeowners insurance, $337 utilities and $106 set aside for maintenance.
What is the property tax rate in Windsor?
Windsor has an effective property tax rate of 2.780%, based on a median home value of $126,600 and median real estate taxes of $3,519. That is higher than the Broome County average of 2.635%.
What is the average home price in Windsor?
The median owner-occupied home value in Windsor, New York is $126,600, against $145,100 across Broome County.
Is it cheaper to rent or buy in Windsor?
Median gross rent in Windsor is $617 a month, against $1,418 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 Windsor — 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.