Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in New York
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
New York ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Allegany County | 52.7% | $582 | $1,105 |
| 2 | Cattaraugus County | 50.7% | $599 | $1,184 |
| 3 | Orleans County | 50.5% | $687 | $1,360 |
| 4 | Chautauqua County | 48.6% | $602 | $1,238 |
| 5 | Steuben County | 48.4% | $645 | $1,331 |
| 6 | Chemung County | 48.2% | $656 | $1,361 |
| 7 | St. Lawrence County | 48.1% | $593 | $1,232 |
| 8 | Oswego County | 47.9% | $685 | $1,431 |
| 9 | Chenango County | 47.9% | $629 | $1,313 |
| 10 | Broome County | 47.8% | $710 | $1,485 |
| 11 | Montgomery County | 47.7% | $690 | $1,446 |
| 12 | Cortland County | 47.2% | $754 | $1,598 |
| 13 | Herkimer County | 46.9% | $637 | $1,357 |
| 14 | Genesee County | 46.6% | $735 | $1,577 |
| 15 | Tioga County | 46.6% | $713 | $1,530 |
| 16 | Wayne County | 46.5% | $758 | $1,631 |
| 17 | Seneca County | 46.5% | $661 | $1,423 |
| 18 | Monroe County | 46.2% | $904 | $1,956 |
| 19 | Livingston County | 45.8% | $766 | $1,671 |
| 20 | Wyoming County | 45.8% | $698 | $1,524 |
| 21 | Onondaga County | 45.8% | $834 | $1,824 |
| 22 | Franklin County | 45.6% | $576 | $1,262 |
| 23 | Cayuga County | 45.2% | $724 | $1,601 |
| 24 | Fulton County | 44.9% | $680 | $1,514 |
| 25 | Madison County | 44.7% | $763 | $1,707 |
| 26 | Niagara County | 44.6% | $763 | $1,710 |
| 27 | Oneida County | 44.2% | $723 | $1,636 |
| 28 | Schoharie County | 43.9% | $762 | $1,733 |
| 29 | Schenectady County | 43.9% | $931 | $2,122 |
| 30 | Schuyler County | 43.6% | $674 | $1,546 |
| 31 | Washington County | 43.3% | $755 | $1,742 |
| 32 | Clinton County | 43.2% | $712 | $1,646 |
| 33 | Ontario County | 43.2% | $824 | $1,907 |
| 34 | Yates County | 42.8% | $711 | $1,661 |
| 35 | Lewis County | 42.7% | $629 | $1,472 |
| 36 | Tompkins County | 42.1% | $1,056 | $2,505 |
| 37 | Erie County | 42.1% | $845 | $2,005 |
| 38 | Sullivan County | 42.0% | $909 | $2,163 |
| 39 | Rensselaer County | 42.0% | $943 | $2,247 |
| 40 | Delaware County | 41.9% | $679 | $1,620 |
| 41 | Otsego County | 41.5% | $667 | $1,606 |
| 42 | Jefferson County | 40.8% | $667 | $1,633 |
| 43 | Orange County | 40.7% | $1,324 | $3,252 |
| 44 | Essex County | 39.9% | $709 | $1,776 |
| 45 | Albany County | 39.5% | $969 | $2,450 |
| 46 | Putnam County | 39.2% | $1,544 | $3,936 |
| 47 | Ulster County | 39.1% | $1,081 | $2,763 |
| 48 | Greene County | 38.9% | $843 | $2,169 |
| 49 | Dutchess County | 38.5% | $1,229 | $3,194 |
| 50 | Warren County | 38.1% | $815 | $2,137 |
| 51 | Columbia County | 36.8% | $965 | $2,619 |
| 52 | Suffolk County | 36.3% | $1,641 | $4,521 |
| 53 | Saratoga County | 36.2% | $984 | $2,718 |
| 54 | Rockland County | 35.6% | $1,667 | $4,679 |
| 55 | Hamilton County | 34.8% | $691 | $1,983 |
| 56 | Westchester County | 33.9% | $1,745 | $5,153 |
| 57 | Nassau County | 33.4% | $1,766 | $5,282 |
| 58 | Bronx County | 30.8% | $1,226 | $3,986 |
| 59 | Richmond County | 29.0% | $1,438 | $4,954 |
| 60 | Queens County | 28.5% | $1,486 | $5,219 |
| 61 | New York County | 27.5% | $2,240 | $8,160 |
| 62 | Kings County | 26.2% | $1,686 | $6,436 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in New York