Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home in New York
Total monthly cost of the county's own median home: mortgage at 20% down, property tax, insurance, electricity, water and a maintenance reserve. Home price dominates this ranking, which is why it maps closely to the coasts.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
New York ranked
| # | County | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|
| 1 | New York County | $8,160 | $1,108,900 | 0.902% |
| 2 | Kings County | $6,436 | $889,700 | 0.688% |
| 3 | Nassau County | $5,282 | $658,700 | 1.518% |
| 4 | Queens County | $5,219 | $699,200 | 0.877% |
| 5 | Westchester County | $5,153 | $638,400 | 1.567% |
| 6 | Richmond County | $4,954 | $658,500 | 0.922% |
| 7 | Rockland County | $4,679 | $564,200 | 1.773% |
| 8 | Suffolk County | $4,521 | $539,500 | 1.854% |
| 9 | Bronx County | $3,986 | $517,000 | 1.027% |
| 10 | Putnam County | $3,936 | $448,000 | 2.232% |
| 11 | Orange County | $3,252 | $361,100 | 2.344% |
| 12 | Dutchess County | $3,194 | $368,100 | 1.963% |
| 13 | Ulster County | $2,763 | $315,100 | 1.944% |
| 14 | Saratoga County | $2,718 | $324,800 | 1.491% |
| 15 | Columbia County | $2,619 | $309,800 | 1.548% |
| 16 | Tompkins County | $2,505 | $271,500 | 2.348% |
| 17 | Albany County | $2,450 | $277,400 | 1.894% |
| 18 | Rensselaer County | $2,247 | $244,300 | 2.193% |
| 19 | Greene County | $2,169 | $248,300 | 1.658% |
| 20 | Sullivan County | $2,163 | $234,800 | 2.164% |
| 21 | Warren County | $2,137 | $247,600 | 1.530% |
| 22 | Schenectady County | $2,122 | $223,100 | 2.459% |
| 23 | Erie County | $2,005 | $217,400 | 2.081% |
| 24 | Hamilton County | $1,983 | $242,000 | 0.979% |
| 25 | Monroe County | $1,956 | $197,100 | 2.788% |
| 26 | Ontario County | $1,907 | $202,900 | 2.198% |
| 27 | Onondaga County | $1,824 | $185,300 | 2.593% |
| 28 | Essex County | $1,776 | $200,000 | 1.555% |
| 29 | Washington County | $1,742 | $185,000 | 2.082% |
| 30 | Schoharie County | $1,733 | $182,000 | 2.185% |
| 31 | Niagara County | $1,710 | $177,400 | 2.284% |
| 32 | Madison County | $1,707 | $176,800 | 2.295% |
| 33 | Livingston County | $1,671 | $169,600 | 2.466% |
| 34 | Yates County | $1,661 | $178,000 | 1.920% |
| 35 | Clinton County | $1,646 | $175,100 | 1.977% |
| 36 | Oneida County | $1,636 | $171,100 | 2.131% |
| 37 | Jefferson County | $1,633 | $181,000 | 1.575% |
| 38 | Wayne County | $1,631 | $163,400 | 2.551% |
| 39 | Delaware County | $1,620 | $176,200 | 1.736% |
| 40 | Otsego County | $1,606 | $175,900 | 1.655% |
| 41 | Cayuga County | $1,601 | $164,200 | 2.282% |
| 42 | Cortland County | $1,598 | $158,100 | 2.646% |
| 43 | Genesee County | $1,577 | $157,800 | 2.508% |
| 44 | Schuyler County | $1,546 | $163,300 | 1.938% |
| 45 | Tioga County | $1,530 | $153,200 | 2.448% |
| 46 | Wyoming County | $1,524 | $154,700 | 2.299% |
| 47 | Fulton County | $1,514 | $156,100 | 2.130% |
| 48 | Broome County | $1,485 | $145,100 | 2.635% |
| 49 | Lewis County | $1,472 | $158,000 | 1.697% |
| 50 | Montgomery County | $1,446 | $141,600 | 2.564% |
| 51 | Oswego County | $1,431 | $139,600 | 2.575% |
| 52 | Seneca County | $1,423 | $142,700 | 2.289% |
| 53 | Chemung County | $1,361 | $132,100 | 2.522% |
| 54 | Orleans County | $1,360 | $126,200 | 2.996% |
| 55 | Herkimer County | $1,357 | $135,000 | 2.272% |
| 56 | Steuben County | $1,331 | $128,600 | 2.523% |
| 57 | Chenango County | $1,313 | $128,100 | 2.390% |
| 58 | Franklin County | $1,262 | $128,600 | 1.880% |
| 59 | Chautauqua County | $1,238 | $119,300 | 2.386% |
| 60 | St. Lawrence County | $1,232 | $119,800 | 2.283% |
| 61 | Cattaraugus County | $1,184 | $109,400 | 2.693% |
| 62 | Allegany County | $1,105 | $97,900 | 2.943% |
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 across all 3,133 US counties · Every county in New York