The typical owner-occupied home in Rosendale is worth about $263,300, 38% below the New York median of $423,800 and 21% below the national median of $332,700. Owners pay a median $4,132 a year in property taxes, about 1.57% of their home's value, close to the New York rate of 1.55%. The median household earns $70,858 a year, so the median home costs 3.7 times the median income (4.9 times for New York). 60% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Rosendale at a glance
| Rosendale | New York | U.S. | |
|---|---|---|---|
| Median home value | $263,300 | $423,800 | $332,700 |
| Median property tax paid per year | $4,132 | $6,582 | $3,119 |
| Property tax as a share of value | 1.57% | 1.55% | 0.94% |
| Median household income | $70,858 | $85,974 | $80,734 |
| Homes lived in by their owners | 60% | 54% | 65% |
| Owner homes with a mortgage | 46% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $2,066 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 21.0% | 22.5% | 21.0% |
| Median rent | $1,343 | $1,621 | $1,413 |
| Rent as a share of renters' income | 23.3% | 31.2% | 30.6% |
| Median year homes were built | 1952 | 1959 | 1980 |
| Vacant homes | 5.7% | 10.0% | 10.1% |
| Population | 962 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Rosendale
At this week's average 30-year rate of 7.11%, buying the median Rosendale home of $263,300 with 20% down costs about $1,871 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,310, 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 $80,193 for the 20%-down payment. That payment is 32% of the median Rosendale household income of $70,858; at that income and 20% down, the 28% guideline points to a home of about $233,000.
The median rent here is $1,343 a month, so owning the median home costs about $528 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $52,660 |
|---|---|
| Loan amount | $210,640 |
| Principal and interest | $1,417 |
| Property taxes (1.57% a year) | $344 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| PMI | $0 |
| Total per month | $1,871 |
Change the numbers in the calculator
| Down payment | $9,216 |
|---|---|
| Loan amount | $258,531 |
| Principal and interest | $1,739 |
| Property taxes (1.57% a year) | $344 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| FHA mortgage insurance | $116 |
| Total per month | $2,310 |
Change the numbers in the calculator
Questions about home buying in Rosendale
What is the median home value in Rosendale?
About $263,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Rosendale?
Homeowners pay a median $4,132 a year, which is about 1.57% 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 Rosendale?
For the median home with 20% down at 7.11%, the payment is about $1,871 a month. Keeping that under 28% of gross income takes about $80,193 a year.
More about Rosendale
- Mortgage Refinance in Rosendale
- Debt Relief in Rosendale
- Home Equity Loans in Rosendale
- 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