The typical owner-occupied home in Plattsburgh is worth about $195,900, 54% below the New York median of $423,800 and 41% below the national median of $332,700. Owners pay a median $5,392 a year in property taxes, about 2.75% of their home's value, higher than the New York rate of 1.55%. The median household earns $57,630 a year, so the median home costs 3.4 times the median income (4.9 times for New York). 38% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Plattsburgh at a glance
| Plattsburgh | New York | U.S. | |
|---|---|---|---|
| Median home value | $195,900 | $423,800 | $332,700 |
| Median property tax paid per year | $5,392 | $6,582 | $3,119 |
| Property tax as a share of value | 2.75% | 1.55% | 0.94% |
| Median household income | $57,630 | $85,974 | $80,734 |
| Homes lived in by their owners | 38% | 54% | 65% |
| Owner homes with a mortgage | 53% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,681 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 20.4% | 22.5% | 21.0% |
| Median rent | $1,030 | $1,621 | $1,413 |
| Rent as a share of renters' income | 29.3% | 31.2% | 30.6% |
| Median year homes were built | 1962 | 1959 | 1980 |
| Vacant homes | 7.1% | 10.0% | 10.1% |
| Population | 19,830 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Plattsburgh
At this week's average 30-year rate of 7.11%, buying the median Plattsburgh home of $195,900 with 20% down costs about $1,585 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,911, 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 $67,921 for the 20%-down payment. That payment is 33% of the median Plattsburgh household income of $57,630; at that income and 20% down, the 28% guideline points to a home of about $166,000.
The median rent here is $1,030 a month, so owning the median home costs about $555 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $39,180 |
|---|---|
| Loan amount | $156,720 |
| Principal and interest | $1,054 |
| Property taxes (2.75% a year) | $449 |
| Homeowners insurance (our estimate, 0.5% a year) | $82 |
| PMI | $0 |
| Total per month | $1,585 |
Change the numbers in the calculator
| Down payment | $6,856 |
|---|---|
| Loan amount | $192,352 |
| Principal and interest | $1,294 |
| Property taxes (2.75% a year) | $449 |
| Homeowners insurance (our estimate, 0.5% a year) | $82 |
| FHA mortgage insurance | $87 |
| Total per month | $1,911 |
Change the numbers in the calculator
Questions about home buying in Plattsburgh
What is the median home value in Plattsburgh?
About $195,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Plattsburgh?
Homeowners pay a median $5,392 a year, which is about 2.75% 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 Plattsburgh?
For the median home with 20% down at 7.11%, the payment is about $1,585 a month. Keeping that under 28% of gross income takes about $67,921 a year.
More about Plattsburgh
- Mortgage Refinance in Plattsburgh
- Debt Relief in Plattsburgh
- Home Equity Loans in Plattsburgh
- 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