The typical owner-occupied home in Port Jervis is worth about $236,700, 44% below the New York median of $423,800 and 29% below the national median of $332,700. Owners pay a median $5,339 a year in property taxes, about 2.26% of their home's value, higher than the New York rate of 1.55%. The median household earns $47,917 a year, so the median home costs 4.9 times the median income (4.9 times for New York). 51% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Port Jervis at a glance
| Port Jervis | New York | U.S. | |
|---|---|---|---|
| Median home value | $236,700 | $423,800 | $332,700 |
| Median property tax paid per year | $5,339 | $6,582 | $3,119 |
| Property tax as a share of value | 2.26% | 1.55% | 0.94% |
| Median household income | $47,917 | $85,974 | $80,734 |
| Homes lived in by their owners | 51% | 54% | 65% |
| Owner homes with a mortgage | 46% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,941 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 23.9% | 22.5% | 21.0% |
| Median rent | $1,260 | $1,621 | $1,413 |
| Rent as a share of renters' income | 47.4% | 31.2% | 30.6% |
| Median year homes were built | 1938 | 1959 | 1980 |
| Vacant homes | 8.7% | 10.0% | 10.1% |
| Population | 8,652 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Port Jervis
At this week's average 30-year rate of 7.11%, buying the median Port Jervis home of $236,700 with 20% down costs about $1,818 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,213, 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 $77,925 for the 20%-down payment. That payment is 46% of the median Port Jervis household income of $47,917; at that income and 20% down, the 28% guideline points to a home of about $146,000.
The median rent here is $1,260 a month, so owning the median home costs about $558 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $47,340 |
|---|---|
| Loan amount | $189,360 |
| Principal and interest | $1,274 |
| Property taxes (2.26% a year) | $446 |
| Homeowners insurance (our estimate, 0.5% a year) | $99 |
| PMI | $0 |
| Total per month | $1,818 |
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| Down payment | $8,284 |
|---|---|
| Loan amount | $232,413 |
| Principal and interest | $1,563 |
| Property taxes (2.26% a year) | $446 |
| Homeowners insurance (our estimate, 0.5% a year) | $99 |
| FHA mortgage insurance | $105 |
| Total per month | $2,213 |
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Questions about home buying in Port Jervis
What is the median home value in Port Jervis?
About $236,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Port Jervis?
Homeowners pay a median $5,339 a year, which is about 2.26% 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 Port Jervis?
For the median home with 20% down at 7.11%, the payment is about $1,818 a month. Keeping that under 28% of gross income takes about $77,925 a year.
More about Port Jervis
- Mortgage Refinance in Port Jervis
- Debt Relief in Port Jervis
- Home Equity Loans in Port Jervis
- 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