Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home Outright in New York
The counties where a paid-off house still costs the most to keep. For retirees on a fixed income this figure matters more than the purchase price, because it never goes away and it rises with assessments.
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 | New York County | $2,240 | $1,108,900 | 0.902% |
| 2 | Nassau County | $1,766 | $658,700 | 1.518% |
| 3 | Westchester County | $1,745 | $638,400 | 1.567% |
| 4 | Kings County | $1,686 | $889,700 | 0.688% |
| 5 | Rockland County | $1,667 | $564,200 | 1.773% |
| 6 | Suffolk County | $1,641 | $539,500 | 1.854% |
| 7 | Putnam County | $1,544 | $448,000 | 2.232% |
| 8 | Queens County | $1,486 | $699,200 | 0.877% |
| 9 | Richmond County | $1,438 | $658,500 | 0.922% |
| 10 | Orange County | $1,324 | $361,100 | 2.344% |
| 11 | Dutchess County | $1,229 | $368,100 | 1.963% |
| 12 | Bronx County | $1,226 | $517,000 | 1.027% |
| 13 | Ulster County | $1,081 | $315,100 | 1.944% |
| 14 | Tompkins County | $1,056 | $271,500 | 2.348% |
| 15 | Saratoga County | $984 | $324,800 | 1.491% |
| 16 | Albany County | $969 | $277,400 | 1.894% |
| 17 | Columbia County | $965 | $309,800 | 1.548% |
| 18 | Rensselaer County | $943 | $244,300 | 2.193% |
| 19 | Schenectady County | $931 | $223,100 | 2.459% |
| 20 | Sullivan County | $909 | $234,800 | 2.164% |
| 21 | Monroe County | $904 | $197,100 | 2.788% |
| 22 | Erie County | $845 | $217,400 | 2.081% |
| 23 | Greene County | $843 | $248,300 | 1.658% |
| 24 | Onondaga County | $834 | $185,300 | 2.593% |
| 25 | Ontario County | $824 | $202,900 | 2.198% |
| 26 | Warren County | $815 | $247,600 | 1.530% |
| 27 | Livingston County | $766 | $169,600 | 2.466% |
| 28 | Niagara County | $763 | $177,400 | 2.284% |
| 29 | Madison County | $763 | $176,800 | 2.295% |
| 30 | Schoharie County | $762 | $182,000 | 2.185% |
| 31 | Wayne County | $758 | $163,400 | 2.551% |
| 32 | Washington County | $755 | $185,000 | 2.082% |
| 33 | Cortland County | $754 | $158,100 | 2.646% |
| 34 | Genesee County | $735 | $157,800 | 2.508% |
| 35 | Cayuga County | $724 | $164,200 | 2.282% |
| 36 | Oneida County | $723 | $171,100 | 2.131% |
| 37 | Tioga County | $713 | $153,200 | 2.448% |
| 38 | Clinton County | $712 | $175,100 | 1.977% |
| 39 | Yates County | $711 | $178,000 | 1.920% |
| 40 | Broome County | $710 | $145,100 | 2.635% |
| 41 | Essex County | $709 | $200,000 | 1.555% |
| 42 | Wyoming County | $698 | $154,700 | 2.299% |
| 43 | Hamilton County | $691 | $242,000 | 0.979% |
| 44 | Montgomery County | $690 | $141,600 | 2.564% |
| 45 | Orleans County | $687 | $126,200 | 2.996% |
| 46 | Oswego County | $685 | $139,600 | 2.575% |
| 47 | Fulton County | $680 | $156,100 | 2.130% |
| 48 | Delaware County | $679 | $176,200 | 1.736% |
| 49 | Schuyler County | $674 | $163,300 | 1.938% |
| 50 | Jefferson County | $667 | $181,000 | 1.575% |
| 51 | Otsego County | $667 | $175,900 | 1.655% |
| 52 | Seneca County | $661 | $142,700 | 2.289% |
| 53 | Chemung County | $656 | $132,100 | 2.522% |
| 54 | Steuben County | $645 | $128,600 | 2.523% |
| 55 | Herkimer County | $637 | $135,000 | 2.272% |
| 56 | Chenango County | $629 | $128,100 | 2.390% |
| 57 | Lewis County | $629 | $158,000 | 1.697% |
| 58 | Chautauqua County | $602 | $119,300 | 2.386% |
| 59 | Cattaraugus County | $599 | $109,400 | 2.693% |
| 60 | St. Lawrence County | $593 | $119,800 | 2.283% |
| 61 | Allegany County | $582 | $97,900 | 2.943% |
| 62 | Franklin County | $576 | $128,600 | 1.880% |
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
Most Expensive Counties to Own a Home Outright across all 3,133 US counties · Every county in New York