The typical owner-occupied home in Chateaugay is worth about $132,100, 69% below the New York median of $423,800 and 60% below the national median of $332,700. Owners pay a median $2,091 a year in property taxes, about 1.58% of their home's value, close to the New York rate of 1.55%. The median household earns $79,643 a year, so the median home costs 1.7 times the median income (4.9 times for New York). 73% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Chateaugay at a glance
| Chateaugay | New York | U.S. | |
|---|---|---|---|
| Median home value | $132,100 | $423,800 | $332,700 |
| Median property tax paid per year | $2,091 | $6,582 | $3,119 |
| Property tax as a share of value | 1.58% | 1.55% | 0.94% |
| Median household income | $79,643 | $85,974 | $80,734 |
| Homes lived in by their owners | 73% | 54% | 65% |
| Owner homes with a mortgage | 52% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,310 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 9.0% | 22.5% | 21.0% |
| Median rent | $688 | $1,621 | $1,413 |
| Rent as a share of renters' income | 29.1% | 31.2% | 30.6% |
| Median year homes were built | 1938 | 1959 | 1980 |
| Vacant homes | 16.8% | 10.0% | 10.1% |
| Population | 724 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Chateaugay
At this week's average 30-year rate of 7.11%, buying the median Chateaugay home of $132,100 with 20% down costs about $940 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,160, 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 $40,281 for the 20%-down payment. That payment is 14% of the median Chateaugay household income of $79,643; at that income and 20% down, the 28% guideline points to a home of about $261,000.
The median rent here is $688 a month, so owning the median home costs about $252 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $26,420 |
|---|---|
| Loan amount | $105,680 |
| Principal and interest | $711 |
| Property taxes (1.58% a year) | $174 |
| Homeowners insurance (our estimate, 0.5% a year) | $55 |
| PMI | $0 |
| Total per month | $940 |
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| Down payment | $4,624 |
|---|---|
| Loan amount | $129,707 |
| Principal and interest | $873 |
| Property taxes (1.58% a year) | $174 |
| Homeowners insurance (our estimate, 0.5% a year) | $55 |
| FHA mortgage insurance | $58 |
| Total per month | $1,160 |
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Questions about home buying in Chateaugay
What is the median home value in Chateaugay?
About $132,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Chateaugay?
Homeowners pay a median $2,091 a year, which is about 1.58% 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 Chateaugay?
For the median home with 20% down at 7.11%, the payment is about $940 a month. Keeping that under 28% of gross income takes about $40,281 a year.
More about Chateaugay
- Mortgage Refinance in Chateaugay
- Debt Relief in Chateaugay
- Home Equity Loans in Chateaugay
- 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