The typical owner-occupied home in Ogdensburg is worth about $324,500, 29% below the New Jersey median of $454,400 and about the same as the national median of $332,700. Owners pay a median $8,856 a year in property taxes, about 2.73% of their home's value, higher than the New Jersey rate of 2.11%. The median household earns $105,551 a year, so the median home costs 3.1 times the median income (4.4 times for New Jersey). 90% of occupied homes here are lived in by their owners, and 67% of those owners still have a mortgage.
Ogdensburg at a glance
| Ogdensburg | New Jersey | U.S. | |
|---|---|---|---|
| Median home value | $324,500 | $454,400 | $332,700 |
| Median property tax paid per year | $8,856 | $9,590 | $3,119 |
| Property tax as a share of value | 2.73% | 2.11% | 0.94% |
| Median household income | $105,551 | $103,556 | $80,734 |
| Homes lived in by their owners | 90% | 64% | 65% |
| Owner homes with a mortgage | 67% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $2,256 | $2,829 | $1,963 |
| Those costs as a share of the owners' income | 23.3% | 22.9% | 21.0% |
| Median rent | $1,445 | $1,720 | $1,413 |
| Rent as a share of renters' income | 43.2% | 30.9% | 30.6% |
| Median year homes were built | 1965 | 1970 | 1980 |
| Vacant homes | 11.3% | 7.5% | 10.1% |
| Population | 2,160 | 9,343,809 | 334,922,499 |
What a typical home costs per month in Ogdensburg
At this week's average 30-year rate of 7.11%, buying the median Ogdensburg home of $324,500 with 20% down costs about $2,620 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,160, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $112,277 for the 20%-down payment. That payment is 30% of the median Ogdensburg household income of $105,551; at that income and 20% down, the 28% guideline points to a home of about $305,000.
The median rent here is $1,445 a month, so owning the median home costs about $1,175 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $64,900 |
|---|---|
| Loan amount | $259,600 |
| Principal and interest | $1,746 |
| Property taxes (2.73% a year) | $738 |
| Homeowners insurance (our estimate, 0.5% a year) | $135 |
| PMI | $0 |
| Total per month | $2,620 |
Change the numbers in the calculator
| Down payment | $11,358 |
|---|---|
| Loan amount | $318,622 |
| Principal and interest | $2,143 |
| Property taxes (2.73% a year) | $738 |
| Homeowners insurance (our estimate, 0.5% a year) | $135 |
| FHA mortgage insurance | $144 |
| Total per month | $3,160 |
Change the numbers in the calculator
Questions about home buying in Ogdensburg
What is the median home value in Ogdensburg?
About $324,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ogdensburg?
Homeowners pay a median $8,856 a year, which is about 2.73% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Ogdensburg?
For the median home with 20% down at 7.11%, the payment is about $2,620 a month. Keeping that under 28% of gross income takes about $112,277 a year.
More about Ogdensburg
- Mortgage Refinance in Ogdensburg
- Debt Relief in Ogdensburg
- Home Equity Loans in Ogdensburg
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data