The typical owner-occupied home in Kauneonga Lake is worth about $181,500, 57% below the New York median of $423,800 and 45% below the national median of $332,700. Owners pay a median $4,600 a year in property taxes, about 2.53% of their home's value, higher than the New York rate of 1.55%. The median household earns $176,000 a year, so the median home costs 1.0 times the median income (4.9 times for New York). 94% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Kauneonga Lake at a glance
| Kauneonga Lake | New York | U.S. | |
|---|---|---|---|
| Median home value | $181,500 | $423,800 | $332,700 |
| Median property tax paid per year | $4,600 | $6,582 | $3,119 |
| Property tax as a share of value | 2.53% | 1.55% | 0.94% |
| Median household income | $176,000 | $85,974 | $80,734 |
| Homes lived in by their owners | 94% | 54% | 65% |
| Owner homes with a mortgage | 39% | 58% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,555 | $1,963 |
| Median rent | – | $1,621 | $1,413 |
| Median year homes were built | 1964 | 1959 | 1980 |
| Vacant homes | 65.5% | 10.0% | 10.1% |
| Population | 461 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Kauneonga Lake
At this week's average 30-year rate of 7.11%, buying the median Kauneonga Lake home of $181,500 with 20% down costs about $1,435 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,737, 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 $61,503 for the 20%-down payment. That payment is 10% of the median Kauneonga Lake household income of $176,000; at that income and 20% down, the 28% guideline points to a home of about $519,000.
| Down payment | $36,300 |
|---|---|
| Loan amount | $145,200 |
| Principal and interest | $977 |
| Property taxes (2.53% a year) | $383 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| PMI | $0 |
| Total per month | $1,435 |
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| Down payment | $6,352 |
|---|---|
| Loan amount | $178,213 |
| Principal and interest | $1,199 |
| Property taxes (2.53% a year) | $383 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| FHA mortgage insurance | $80 |
| Total per month | $1,737 |
Change the numbers in the calculator
Questions about home buying in Kauneonga Lake
What is the median home value in Kauneonga Lake?
About $181,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kauneonga Lake?
Homeowners pay a median $4,600 a year, which is about 2.53% 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 Kauneonga Lake?
For the median home with 20% down at 7.11%, the payment is about $1,435 a month. Keeping that under 28% of gross income takes about $61,503 a year.
More about Kauneonga Lake
- Mortgage Refinance in Kauneonga Lake
- Debt Relief in Kauneonga Lake
- Home Equity Loans in Kauneonga Lake
- 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