Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in New York
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
New York ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Franklin County | $576 | $128,600 | 1.880% |
| 2 | Allegany County | $582 | $97,900 | 2.943% |
| 3 | St. Lawrence County | $593 | $119,800 | 2.283% |
| 4 | Cattaraugus County | $599 | $109,400 | 2.693% |
| 5 | Chautauqua County | $602 | $119,300 | 2.386% |
| 6 | Lewis County | $629 | $158,000 | 1.697% |
| 7 | Chenango County | $629 | $128,100 | 2.390% |
| 8 | Herkimer County | $637 | $135,000 | 2.272% |
| 9 | Steuben County | $645 | $128,600 | 2.523% |
| 10 | Chemung County | $656 | $132,100 | 2.522% |
| 11 | Seneca County | $661 | $142,700 | 2.289% |
| 12 | Otsego County | $667 | $175,900 | 1.655% |
| 13 | Jefferson County | $667 | $181,000 | 1.575% |
| 14 | Schuyler County | $674 | $163,300 | 1.938% |
| 15 | Delaware County | $679 | $176,200 | 1.736% |
| 16 | Fulton County | $680 | $156,100 | 2.130% |
| 17 | Oswego County | $685 | $139,600 | 2.575% |
| 18 | Orleans County | $687 | $126,200 | 2.996% |
| 19 | Montgomery County | $690 | $141,600 | 2.564% |
| 20 | Hamilton County | $691 | $242,000 | 0.979% |
| 21 | Wyoming County | $698 | $154,700 | 2.299% |
| 22 | Essex County | $709 | $200,000 | 1.555% |
| 23 | Broome County | $710 | $145,100 | 2.635% |
| 24 | Yates County | $711 | $178,000 | 1.920% |
| 25 | Clinton County | $712 | $175,100 | 1.977% |
| 26 | Tioga County | $713 | $153,200 | 2.448% |
| 27 | Oneida County | $723 | $171,100 | 2.131% |
| 28 | Cayuga County | $724 | $164,200 | 2.282% |
| 29 | Genesee County | $735 | $157,800 | 2.508% |
| 30 | Cortland County | $754 | $158,100 | 2.646% |
| 31 | Washington County | $755 | $185,000 | 2.082% |
| 32 | Wayne County | $758 | $163,400 | 2.551% |
| 33 | Schoharie County | $762 | $182,000 | 2.185% |
| 34 | Madison County | $763 | $176,800 | 2.295% |
| 35 | Niagara County | $763 | $177,400 | 2.284% |
| 36 | Livingston County | $766 | $169,600 | 2.466% |
| 37 | Warren County | $815 | $247,600 | 1.530% |
| 38 | Ontario County | $824 | $202,900 | 2.198% |
| 39 | Onondaga County | $834 | $185,300 | 2.593% |
| 40 | Greene County | $843 | $248,300 | 1.658% |
| 41 | Erie County | $845 | $217,400 | 2.081% |
| 42 | Monroe County | $904 | $197,100 | 2.788% |
| 43 | Sullivan County | $909 | $234,800 | 2.164% |
| 44 | Schenectady County | $931 | $223,100 | 2.459% |
| 45 | Rensselaer County | $943 | $244,300 | 2.193% |
| 46 | Columbia County | $965 | $309,800 | 1.548% |
| 47 | Albany County | $969 | $277,400 | 1.894% |
| 48 | Saratoga County | $984 | $324,800 | 1.491% |
| 49 | Tompkins County | $1,056 | $271,500 | 2.348% |
| 50 | Ulster County | $1,081 | $315,100 | 1.944% |
| 51 | Bronx County | $1,226 | $517,000 | 1.027% |
| 52 | Dutchess County | $1,229 | $368,100 | 1.963% |
| 53 | Orange County | $1,324 | $361,100 | 2.344% |
| 54 | Richmond County | $1,438 | $658,500 | 0.922% |
| 55 | Queens County | $1,486 | $699,200 | 0.877% |
| 56 | Putnam County | $1,544 | $448,000 | 2.232% |
| 57 | Suffolk County | $1,641 | $539,500 | 1.854% |
| 58 | Rockland County | $1,667 | $564,200 | 1.773% |
| 59 | Kings County | $1,686 | $889,700 | 0.688% |
| 60 | Westchester County | $1,745 | $638,400 | 1.567% |
| 61 | Nassau County | $1,766 | $658,700 | 1.518% |
| 62 | New York County | $2,240 | $1,108,900 | 0.902% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in New York