The typical owner-occupied home in Woodstock is worth about $675,600, 59% above the New York median of $423,800 and 2.0 times the national median of $332,700. Owners pay a median $6,800 a year in property taxes, about 1.01% of their home's value, lower than the New York rate of 1.55%. The median household earns $52,091 a year, so the median home costs 13.0 times the median income (4.9 times for New York). 71% of occupied homes here are lived in by their owners, and 42% of those owners still have a mortgage.
Woodstock at a glance
| Woodstock | New York | U.S. | |
|---|---|---|---|
| Median home value | $675,600 | $423,800 | $332,700 |
| Median property tax paid per year | $6,800 | $6,582 | $3,119 |
| Property tax as a share of value | 1.01% | 1.55% | 0.94% |
| Median household income | $52,091 | $85,974 | $80,734 |
| Homes lived in by their owners | 71% | 54% | 65% |
| Owner homes with a mortgage | 42% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $3,014 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 34.1% | 22.5% | 21.0% |
| Median rent | $1,746 | $1,621 | $1,413 |
| Rent as a share of renters' income | 51.0% | 31.2% | 30.6% |
| Median year homes were built | 1956 | 1959 | 1980 |
| Vacant homes | 21.2% | 10.0% | 10.1% |
| Population | 2,239 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Woodstock
At this week's average 30-year rate of 7.11%, buying the median Woodstock home of $675,600 with 20% down costs about $4,486 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,611, 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 $192,256 for the 20%-down payment. That payment is 103% of the median Woodstock household income of $52,091; at that income and 20% down, the 28% guideline points to a home of about $183,000.
The median rent here is $1,746 a month, so owning the median home costs about $2,740 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $135,120 |
|---|---|
| Loan amount | $540,480 |
| Principal and interest | $3,636 |
| Property taxes (1.01% a year) | $569 |
| Homeowners insurance (our estimate, 0.5% a year) | $282 |
| PMI | $0 |
| Total per month | $4,486 |
Change the numbers in the calculator
| Down payment | $23,646 |
|---|---|
| Loan amount | $663,363 |
| Principal and interest | $4,462 |
| Property taxes (1.01% a year) | $569 |
| Homeowners insurance (our estimate, 0.5% a year) | $282 |
| FHA mortgage insurance | $299 |
| Total per month | $5,611 |
Change the numbers in the calculator
Questions about home buying in Woodstock
What is the median home value in Woodstock?
About $675,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Woodstock?
Homeowners pay a median $6,800 a year, which is about 1.01% 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 Woodstock?
For the median home with 20% down at 7.11%, the payment is about $4,486 a month. Keeping that under 28% of gross income takes about $192,256 a year.
More about Woodstock
- Mortgage Refinance in Woodstock
- Debt Relief in Woodstock
- Home Equity Loans in Woodstock
- 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