The typical owner-occupied home in Retsof is worth about $114,300, 73% below the New York median of $423,800 and 66% below the national median of $332,700. Owners pay a median $2,455 a year in property taxes, about 2.15% of their home's value, higher than the New York rate of 1.55%. 81% of occupied homes here are lived in by their owners, and 63% of those owners still have a mortgage.
Retsof at a glance
| Retsof | New York | U.S. | |
|---|---|---|---|
| Median home value | $114,300 | $423,800 | $332,700 |
| Median property tax paid per year | $2,455 | $6,582 | $3,119 |
| Property tax as a share of value | 2.15% | 1.55% | 0.94% |
| Median household income | – | $85,974 | $80,734 |
| Homes lived in by their owners | 81% | 54% | 65% |
| Owner homes with a mortgage | 63% | 58% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,555 | $1,963 |
| Median rent | – | $1,621 | $1,413 |
| Median year homes were built | 1983 | 1959 | 1980 |
| Vacant homes | 45.3% | 10.0% | 10.1% |
| Population | 102 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Retsof
At this week's average 30-year rate of 7.11%, buying the median Retsof home of $114,300 with 20% down costs about $868 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,058, 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 $37,180 for the 20%-down payment.
| Down payment | $22,860 |
|---|---|
| Loan amount | $91,440 |
| Principal and interest | $615 |
| Property taxes (2.15% a year) | $205 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| PMI | $0 |
| Total per month | $868 |
Change the numbers in the calculator
| Down payment | $4,000 |
|---|---|
| Loan amount | $112,230 |
| Principal and interest | $755 |
| Property taxes (2.15% a year) | $205 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| FHA mortgage insurance | $51 |
| Total per month | $1,058 |
Change the numbers in the calculator
Questions about home buying in Retsof
What is the median home value in Retsof?
About $114,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Retsof?
Homeowners pay a median $2,455 a year, which is about 2.15% 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 Retsof?
For the median home with 20% down at 7.11%, the payment is about $868 a month. Keeping that under 28% of gross income takes about $37,180 a year.
More about Retsof
- Mortgage Refinance in Retsof
- Debt Relief in Retsof
- Home Equity Loans in Retsof
- 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