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.
New York ranked
| # | County | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|
| 1 | New York County | $8,040 | $1,108,900 | 0.902% |
| 2 | Kings County | $6,358 | $889,700 | 0.688% |
| 3 | Nassau County | $5,251 | $658,700 | 1.518% |
| 4 | Queens County | $5,179 | $699,200 | 0.877% |
| 5 | Westchester County | $5,125 | $638,400 | 1.567% |
| 6 | Richmond County | $4,922 | $658,500 | 0.922% |
| 7 | Rockland County | $4,666 | $564,200 | 1.773% |
| 8 | Suffolk County | $4,512 | $539,500 | 1.854% |
| 9 | Bronx County | $3,982 | $517,000 | 1.027% |
| 10 | Putnam County | $3,945 | $448,000 | 2.232% |
| 11 | Orange County | $3,279 | $361,100 | 2.344% |
| 12 | Dutchess County | $3,219 | $368,100 | 1.963% |
| 13 | Ulster County | $2,799 | $315,100 | 1.944% |
| 14 | Saratoga County | $2,753 | $324,800 | 1.491% |
| 15 | Columbia County | $2,656 | $309,800 | 1.548% |
| 16 | Tompkins County | $2,550 | $271,500 | 2.348% |
| 17 | Albany County | $2,493 | $277,400 | 1.894% |
| 18 | Rensselaer County | $2,297 | $244,300 | 2.193% |
| 19 | Greene County | $2,218 | $248,300 | 1.658% |
| 20 | Sullivan County | $2,215 | $234,800 | 2.164% |
| 21 | Warren County | $2,186 | $247,600 | 1.530% |
| 22 | Schenectady County | $2,176 | $223,100 | 2.459% |
| 23 | Erie County | $2,061 | $217,400 | 2.081% |
| 24 | Hamilton County | $2,034 | $242,000 | 0.979% |
| 25 | Monroe County | $2,016 | $197,100 | 2.788% |
Every figure is modelled on the county's own median home with 20% down at 6.66%. 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