Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in New York
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
New York ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Kings County | 26.2% | $1,686 | $6,436 |
| 2 | New York County | 27.5% | $2,240 | $8,160 |
| 3 | Queens County | 28.5% | $1,486 | $5,219 |
| 4 | Richmond County | 29.0% | $1,438 | $4,954 |
| 5 | Bronx County | 30.8% | $1,226 | $3,986 |
| 6 | Nassau County | 33.4% | $1,766 | $5,282 |
| 7 | Westchester County | 33.9% | $1,745 | $5,153 |
| 8 | Hamilton County | 34.8% | $691 | $1,983 |
| 9 | Rockland County | 35.6% | $1,667 | $4,679 |
| 10 | Saratoga County | 36.2% | $984 | $2,718 |
| 11 | Suffolk County | 36.3% | $1,641 | $4,521 |
| 12 | Columbia County | 36.8% | $965 | $2,619 |
| 13 | Warren County | 38.1% | $815 | $2,137 |
| 14 | Dutchess County | 38.5% | $1,229 | $3,194 |
| 15 | Greene County | 38.9% | $843 | $2,169 |
| 16 | Ulster County | 39.1% | $1,081 | $2,763 |
| 17 | Putnam County | 39.2% | $1,544 | $3,936 |
| 18 | Albany County | 39.5% | $969 | $2,450 |
| 19 | Essex County | 39.9% | $709 | $1,776 |
| 20 | Orange County | 40.7% | $1,324 | $3,252 |
| 21 | Jefferson County | 40.8% | $667 | $1,633 |
| 22 | Otsego County | 41.5% | $667 | $1,606 |
| 23 | Delaware County | 41.9% | $679 | $1,620 |
| 24 | Rensselaer County | 42.0% | $943 | $2,247 |
| 25 | Sullivan County | 42.0% | $909 | $2,163 |
| 26 | Erie County | 42.1% | $845 | $2,005 |
| 27 | Tompkins County | 42.1% | $1,056 | $2,505 |
| 28 | Lewis County | 42.7% | $629 | $1,472 |
| 29 | Yates County | 42.8% | $711 | $1,661 |
| 30 | Ontario County | 43.2% | $824 | $1,907 |
| 31 | Clinton County | 43.2% | $712 | $1,646 |
| 32 | Washington County | 43.3% | $755 | $1,742 |
| 33 | Schuyler County | 43.6% | $674 | $1,546 |
| 34 | Schenectady County | 43.9% | $931 | $2,122 |
| 35 | Schoharie County | 43.9% | $762 | $1,733 |
| 36 | Oneida County | 44.2% | $723 | $1,636 |
| 37 | Niagara County | 44.6% | $763 | $1,710 |
| 38 | Madison County | 44.7% | $763 | $1,707 |
| 39 | Fulton County | 44.9% | $680 | $1,514 |
| 40 | Cayuga County | 45.2% | $724 | $1,601 |
| 41 | Franklin County | 45.6% | $576 | $1,262 |
| 42 | Onondaga County | 45.8% | $834 | $1,824 |
| 43 | Wyoming County | 45.8% | $698 | $1,524 |
| 44 | Livingston County | 45.8% | $766 | $1,671 |
| 45 | Monroe County | 46.2% | $904 | $1,956 |
| 46 | Seneca County | 46.5% | $661 | $1,423 |
| 47 | Wayne County | 46.5% | $758 | $1,631 |
| 48 | Tioga County | 46.6% | $713 | $1,530 |
| 49 | Genesee County | 46.6% | $735 | $1,577 |
| 50 | Herkimer County | 46.9% | $637 | $1,357 |
| 51 | Cortland County | 47.2% | $754 | $1,598 |
| 52 | Montgomery County | 47.7% | $690 | $1,446 |
| 53 | Broome County | 47.8% | $710 | $1,485 |
| 54 | Chenango County | 47.9% | $629 | $1,313 |
| 55 | Oswego County | 47.9% | $685 | $1,431 |
| 56 | St. Lawrence County | 48.1% | $593 | $1,232 |
| 57 | Chemung County | 48.2% | $656 | $1,361 |
| 58 | Steuben County | 48.4% | $645 | $1,331 |
| 59 | Chautauqua County | 48.6% | $602 | $1,238 |
| 60 | Orleans County | 50.5% | $687 | $1,360 |
| 61 | Cattaraugus County | 50.7% | $599 | $1,184 |
| 62 | Allegany County | 52.7% | $582 | $1,105 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in New York