The typical owner-occupied home in Saint Johnsville is worth about $80,500, 81% below the New York median of $423,800 and 76% below the national median of $332,700. Owners pay a median $2,212 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 $47,109 a year, so the median home costs 1.7 times the median income (4.9 times for New York). 62% of occupied homes here are lived in by their owners, and 26% of those owners still have a mortgage.
Saint Johnsville at a glance
| Saint Johnsville | New York | U.S. | |
|---|---|---|---|
| Median home value | $80,500 | $423,800 | $332,700 |
| Median property tax paid per year | $2,212 | $6,582 | $3,119 |
| Property tax as a share of value | 2.75% | 1.55% | 0.94% |
| Median household income | $47,109 | $85,974 | $80,734 |
| Homes lived in by their owners | 62% | 54% | 65% |
| Owner homes with a mortgage | 26% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,159 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 17.2% | 22.5% | 21.0% |
| Median rent | $742 | $1,621 | $1,413 |
| Rent as a share of renters' income | 33.7% | 31.2% | 30.6% |
| Median year homes were built | 1938 | 1959 | 1980 |
| Vacant homes | 21.1% | 10.0% | 10.1% |
| Population | 1,790 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Saint Johnsville
At this week's average 30-year rate of 7.11%, buying the median Saint Johnsville home of $80,500 with 20% down costs about $651 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $785, 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 $27,910 for the 20%-down payment. That payment is 17% of the median Saint Johnsville household income of $47,109; at that income and 20% down, the 28% guideline points to a home of about $136,000.
The median rent here is $742 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $16,100 |
|---|---|
| Loan amount | $64,400 |
| Principal and interest | $433 |
| Property taxes (2.75% a year) | $184 |
| Homeowners insurance (our estimate, 0.5% a year) | $34 |
| PMI | $0 |
| Total per month | $651 |
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| Down payment | $2,818 |
|---|---|
| Loan amount | $79,042 |
| Principal and interest | $532 |
| Property taxes (2.75% a year) | $184 |
| Homeowners insurance (our estimate, 0.5% a year) | $34 |
| FHA mortgage insurance | $36 |
| Total per month | $785 |
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Questions about home buying in Saint Johnsville
What is the median home value in Saint Johnsville?
About $80,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Johnsville?
Homeowners pay a median $2,212 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 Saint Johnsville?
For the median home with 20% down at 7.11%, the payment is about $651 a month. Keeping that under 28% of gross income takes about $27,910 a year.
More about Saint Johnsville
- Mortgage Refinance in Saint Johnsville
- Debt Relief in Saint Johnsville
- Home Equity Loans in Saint Johnsville
- 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