The typical owner-occupied home in Chittenango is worth about $182,500, 57% below the New York median of $423,800 and 45% below the national median of $332,700. Owners pay a median $5,000 a year in property taxes, about 2.74% of their home's value, higher than the New York rate of 1.55%. The median household earns $70,786 a year, so the median home costs 2.6 times the median income (4.9 times for New York). 65% of occupied homes here are lived in by their owners, and 66% of those owners still have a mortgage.
Chittenango at a glance
| Chittenango | New York | U.S. | |
|---|---|---|---|
| Median home value | $182,500 | $423,800 | $332,700 |
| Median property tax paid per year | $5,000 | $6,582 | $3,119 |
| Property tax as a share of value | 2.74% | 1.55% | 0.94% |
| Median household income | $70,786 | $85,974 | $80,734 |
| Homes lived in by their owners | 65% | 54% | 65% |
| Owner homes with a mortgage | 66% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,577 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 17.5% | 22.5% | 21.0% |
| Median rent | $782 | $1,621 | $1,413 |
| Rent as a share of renters' income | 32.6% | 31.2% | 30.6% |
| Median year homes were built | 1973 | 1959 | 1980 |
| Vacant homes | 6.8% | 10.0% | 10.1% |
| Population | 4,831 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Chittenango
At this week's average 30-year rate of 7.11%, buying the median Chittenango home of $182,500 with 20% down costs about $1,475 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,779, 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 $63,210 for the 20%-down payment. That payment is 25% of the median Chittenango household income of $70,786; at that income and 20% down, the 28% guideline points to a home of about $204,000.
The median rent here is $782 a month, so owning the median home costs about $693 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $36,500 |
|---|---|
| Loan amount | $146,000 |
| Principal and interest | $982 |
| Property taxes (2.74% a year) | $417 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| PMI | $0 |
| Total per month | $1,475 |
Change the numbers in the calculator
| Down payment | $6,388 |
|---|---|
| Loan amount | $179,194 |
| Principal and interest | $1,205 |
| Property taxes (2.74% a year) | $417 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| FHA mortgage insurance | $81 |
| Total per month | $1,779 |
Change the numbers in the calculator
Questions about home buying in Chittenango
What is the median home value in Chittenango?
About $182,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Chittenango?
Homeowners pay a median $5,000 a year, which is about 2.74% 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 Chittenango?
For the median home with 20% down at 7.11%, the payment is about $1,475 a month. Keeping that under 28% of gross income takes about $63,210 a year.
More about Chittenango
- Mortgage Refinance in Chittenango
- Debt Relief in Chittenango
- Home Equity Loans in Chittenango
- 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