The typical owner-occupied home in St. Lawrence County is worth about $121,900, 71% below the New York median of $423,800 and 63% below the national median of $332,700. Owners pay a median $2,844 a year in property taxes, about 2.33% of their home's value, higher than the New York rate of 1.55%. The median household earns $62,850 a year, so the median home costs 1.9 times the median income (4.9 times for New York). 72% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
St. Lawrence County at a glance
| St. Lawrence County | New York | U.S. | |
|---|---|---|---|
| Median home value | $121,900 | $423,800 | $332,700 |
| Median property tax paid per year | $2,844 | $6,582 | $3,119 |
| Property tax as a share of value | 2.33% | 1.55% | 0.94% |
| Median household income | $62,850 | $85,974 | $80,734 |
| Homes lived in by their owners | 72% | 54% | 65% |
| Owner homes with a mortgage | 48% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,330 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 18.4% | 22.5% | 21.0% |
| Median rent | $818 | $1,621 | $1,413 |
| Rent as a share of renters' income | 30.3% | 31.2% | 30.6% |
| Median year homes were built | 1964 | 1959 | 1980 |
| Vacant homes | 19.8% | 10.0% | 10.1% |
| Population | 107,226 | 19,852,366 | 334,922,499 |
What a typical home costs per month in St. Lawrence County
At this week's average 30-year rate of 7.11%, buying the median St. Lawrence County home of $121,900 with 20% down costs about $944 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,147, 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 $40,436 for the 20%-down payment. That payment is 18% of the median St. Lawrence County household income of $62,850; at that income and 20% down, the 28% guideline points to a home of about $189,000.
The median rent here is $818 a month, so owning the median home costs about $126 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $24,380 |
|---|---|
| Loan amount | $97,520 |
| Principal and interest | $656 |
| Property taxes (2.33% a year) | $237 |
| Homeowners insurance (our estimate, 0.5% a year) | $51 |
| PMI | $0 |
| Total per month | $944 |
Change the numbers in the calculator
| Down payment | $4,266 |
|---|---|
| Loan amount | $119,692 |
| Principal and interest | $805 |
| Property taxes (2.33% a year) | $237 |
| Homeowners insurance (our estimate, 0.5% a year) | $51 |
| FHA mortgage insurance | $54 |
| Total per month | $1,147 |
Change the numbers in the calculator
Questions about home buying in St. Lawrence County
What is the median home value in St. Lawrence County?
About $121,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in St. Lawrence County?
Homeowners pay a median $2,844 a year, which is about 2.33% 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 St. Lawrence County?
For the median home with 20% down at 7.11%, the payment is about $944 a month. Keeping that under 28% of gross income takes about $40,436 a year.
More about St. Lawrence County
- Mortgage Refinance in St. Lawrence County
- Debt Relief in St. Lawrence County
- Home Equity Loans in St. Lawrence County
- 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