The typical owner-occupied home in South Cairo is worth about $187,200, 56% below the New York median of $423,800 and 44% below the national median of $332,700. Owners pay a median $4,261 a year in property taxes, about 2.28% of their home's value, higher than the New York rate of 1.55%. 51% of occupied homes here are lived in by their owners, and 20% of those owners still have a mortgage.
South Cairo at a glance
| South Cairo | New York | U.S. | |
|---|---|---|---|
| Median home value | $187,200 | $423,800 | $332,700 |
| Median property tax paid per year | $4,261 | $6,582 | $3,119 |
| Property tax as a share of value | 2.28% | 1.55% | 0.94% |
| Median household income | – | $85,974 | $80,734 |
| Homes lived in by their owners | 51% | 54% | 65% |
| Owner homes with a mortgage | 20% | 58% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,555 | $1,963 |
| Median rent | $958 | $1,621 | $1,413 |
| Rent as a share of renters' income | 51.0% | 31.2% | 30.6% |
| Median year homes were built | 1968 | 1959 | 1980 |
| Vacant homes | 8.1% | 10.0% | 10.1% |
| Population | 619 | 19,852,366 | 334,922,499 |
What a typical home costs per month in South Cairo
At this week's average 30-year rate of 7.11%, buying the median South Cairo home of $187,200 with 20% down costs about $1,441 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,753, 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 $61,763 for the 20%-down payment.
The median rent here is $958 a month, so owning the median home costs about $483 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $37,440 |
|---|---|
| Loan amount | $149,760 |
| Principal and interest | $1,007 |
| Property taxes (2.28% a year) | $356 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| PMI | $0 |
| Total per month | $1,441 |
Change the numbers in the calculator
| Down payment | $6,552 |
|---|---|
| Loan amount | $183,809 |
| Principal and interest | $1,236 |
| Property taxes (2.28% a year) | $356 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| FHA mortgage insurance | $83 |
| Total per month | $1,753 |
Change the numbers in the calculator
Questions about home buying in South Cairo
What is the median home value in South Cairo?
About $187,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in South Cairo?
Homeowners pay a median $4,261 a year, which is about 2.28% 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 South Cairo?
For the median home with 20% down at 7.11%, the payment is about $1,441 a month. Keeping that under 28% of gross income takes about $61,763 a year.
More about South Cairo
- Mortgage Refinance in South Cairo
- Debt Relief in South Cairo
- Home Equity Loans in South Cairo
- 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