The typical owner-occupied home in Grahamsville is worth about $316,700, 25% below the New York median of $423,800 and 5% below the national median of $332,700. Owners pay a median $3,609 a year in property taxes, about 1.14% of their home's value, lower than the New York rate of 1.55%. 58% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Grahamsville at a glance
| Grahamsville | New York | U.S. | |
|---|---|---|---|
| Median home value | $316,700 | $423,800 | $332,700 |
| Median property tax paid per year | $3,609 | $6,582 | $3,119 |
| Property tax as a share of value | 1.14% | 1.55% | 0.94% |
| Median household income | – | $85,974 | $80,734 |
| Homes lived in by their owners | 58% | 54% | 65% |
| Owner homes with a mortgage | 68% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,740 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 9.0% | 22.5% | 21.0% |
| Median rent | $859 | $1,621 | $1,413 |
| Rent as a share of renters' income | 33.8% | 31.2% | 30.6% |
| Median year homes were built | 1964 | 1959 | 1980 |
| Vacant homes | 19.1% | 10.0% | 10.1% |
| Population | 249 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Grahamsville
At this week's average 30-year rate of 7.11%, buying the median Grahamsville home of $316,700 with 20% down costs about $2,137 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,665, 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 $91,594 for the 20%-down payment.
The median rent here is $859 a month, so owning the median home costs about $1,278 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $63,340 |
|---|---|
| Loan amount | $253,360 |
| Principal and interest | $1,704 |
| Property taxes (1.14% a year) | $301 |
| Homeowners insurance (our estimate, 0.5% a year) | $132 |
| PMI | $0 |
| Total per month | $2,137 |
Change the numbers in the calculator
| Down payment | $11,084 |
|---|---|
| Loan amount | $310,964 |
| Principal and interest | $2,092 |
| Property taxes (1.14% a year) | $301 |
| Homeowners insurance (our estimate, 0.5% a year) | $132 |
| FHA mortgage insurance | $140 |
| Total per month | $2,665 |
Change the numbers in the calculator
Questions about home buying in Grahamsville
What is the median home value in Grahamsville?
About $316,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Grahamsville?
Homeowners pay a median $3,609 a year, which is about 1.14% 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 Grahamsville?
For the median home with 20% down at 7.11%, the payment is about $2,137 a month. Keeping that under 28% of gross income takes about $91,594 a year.
More about Grahamsville
- Mortgage Refinance in Grahamsville
- Debt Relief in Grahamsville
- Home Equity Loans in Grahamsville
- 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