The typical owner-occupied home in Sullivan County is worth about $249,000, 41% below the New York median of $423,800 and 25% below the national median of $332,700. Owners pay a median $4,969 a year in property taxes, about 2.00% of their home's value, higher than the New York rate of 1.55%. The median household earns $72,382 a year, so the median home costs 3.4 times the median income (4.9 times for New York). 67% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Sullivan County at a glance
| Sullivan County | New York | U.S. | |
|---|---|---|---|
| Median home value | $249,000 | $423,800 | $332,700 |
| Median property tax paid per year | $4,969 | $6,582 | $3,119 |
| Property tax as a share of value | 2.00% | 1.55% | 0.94% |
| Median household income | $72,382 | $85,974 | $80,734 |
| Homes lived in by their owners | 67% | 54% | 65% |
| Owner homes with a mortgage | 46% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,945 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 21.2% | 22.5% | 21.0% |
| Median rent | $1,106 | $1,621 | $1,413 |
| Rent as a share of renters' income | 29.0% | 31.2% | 30.6% |
| Median year homes were built | 1974 | 1959 | 1980 |
| Vacant homes | 37.1% | 10.0% | 10.1% |
| Population | 79,721 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Sullivan County
At this week's average 30-year rate of 7.11%, buying the median Sullivan County home of $249,000 with 20% down costs about $1,859 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,274, 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 $79,662 for the 20%-down payment. That payment is 31% of the median Sullivan County household income of $72,382; at that income and 20% down, the 28% guideline points to a home of about $226,000.
The median rent here is $1,106 a month, so owning the median home costs about $753 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $49,800 |
|---|---|
| Loan amount | $199,200 |
| Principal and interest | $1,340 |
| Property taxes (2.00% a year) | $415 |
| Homeowners insurance (our estimate, 0.5% a year) | $104 |
| PMI | $0 |
| Total per month | $1,859 |
Change the numbers in the calculator
| Down payment | $8,715 |
|---|---|
| Loan amount | $244,490 |
| Principal and interest | $1,645 |
| Property taxes (2.00% a year) | $415 |
| Homeowners insurance (our estimate, 0.5% a year) | $104 |
| FHA mortgage insurance | $110 |
| Total per month | $2,274 |
Change the numbers in the calculator
Questions about home buying in Sullivan County
What is the median home value in Sullivan County?
About $249,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Sullivan County?
Homeowners pay a median $4,969 a year, which is about 2.00% 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 Sullivan County?
For the median home with 20% down at 7.11%, the payment is about $1,859 a month. Keeping that under 28% of gross income takes about $79,662 a year.
More about Sullivan County
- Mortgage Refinance in Sullivan County
- Debt Relief in Sullivan County
- Home Equity Loans in Sullivan 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