The typical owner-occupied home in York is worth about $162,700, 62% below the New York median of $423,800 and 51% below the national median of $332,700. Owners pay a median $3,872 a year in property taxes, about 2.38% of their home's value, higher than the New York rate of 1.55%. The median household earns $74,167 a year, so the median home costs 2.2 times the median income (4.9 times for New York). 72% of occupied homes here are lived in by their owners, and 55% of those owners still have a mortgage.
York at a glance
| York | New York | U.S. | |
|---|---|---|---|
| Median home value | $162,700 | $423,800 | $332,700 |
| Median property tax paid per year | $3,872 | $6,582 | $3,119 |
| Property tax as a share of value | 2.38% | 1.55% | 0.94% |
| Median household income | $74,167 | $85,974 | $80,734 |
| Homes lived in by their owners | 72% | 54% | 65% |
| Owner homes with a mortgage | 55% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,275 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 19.6% | 22.5% | 21.0% |
| Median rent | – | $1,621 | $1,413 |
| Median year homes were built | 1967 | 1959 | 1980 |
| Vacant homes | 6.1% | 10.0% | 10.1% |
| Population | 349 | 19,852,366 | 334,922,499 |
What a typical home costs per month in York
At this week's average 30-year rate of 7.11%, buying the median York home of $162,700 with 20% down costs about $1,266 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,537, 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 $54,260 for the 20%-down payment. That payment is 20% of the median York household income of $74,167; at that income and 20% down, the 28% guideline points to a home of about $222,000.
| Down payment | $32,540 |
|---|---|
| Loan amount | $130,160 |
| Principal and interest | $876 |
| Property taxes (2.38% a year) | $323 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| PMI | $0 |
| Total per month | $1,266 |
Change the numbers in the calculator
| Down payment | $5,694 |
|---|---|
| Loan amount | $159,753 |
| Principal and interest | $1,075 |
| Property taxes (2.38% a year) | $323 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| FHA mortgage insurance | $72 |
| Total per month | $1,537 |
Change the numbers in the calculator
Questions about home buying in York
What is the median home value in York?
About $162,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in York?
Homeowners pay a median $3,872 a year, which is about 2.38% 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 York?
For the median home with 20% down at 7.11%, the payment is about $1,266 a month. Keeping that under 28% of gross income takes about $54,260 a year.
More about York
- Mortgage Refinance in York
- Debt Relief in York
- Home Equity Loans in York
- 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