The typical owner-occupied home in Port Jefferson is worth about $101,000, 53% below the Ohio median of $214,800 and 70% below the national median of $332,700. Owners pay a median $1,508 a year in property taxes, about 1.49% of their home's value, higher than the Ohio rate of 1.31%. The median household earns $57,083 a year, so the median home costs 1.8 times the median income (3.0 times for Ohio). 80% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Port Jefferson at a glance
| Port Jefferson | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $101,000 | $214,800 | $332,700 |
| Median property tax paid per year | $1,508 | $2,822 | $3,119 |
| Property tax as a share of value | 1.49% | 1.31% | 0.94% |
| Median household income | $57,083 | $71,389 | $80,734 |
| Homes lived in by their owners | 80% | 67% | 65% |
| Owner homes with a mortgage | 53% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,085 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 20.9% | 18.6% | 21.0% |
| Median rent | $850 | $1,034 | $1,413 |
| Rent as a share of renters' income | 22.5% | 28.3% | 30.6% |
| Median year homes were built | 1954 | 1970 | 1980 |
| Vacant homes | 31.8% | 8.1% | 10.1% |
| Population | 306 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Port Jefferson
At this week's average 30-year rate of 7.11%, buying the median Port Jefferson home of $101,000 with 20% down costs about $711 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $879, 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 $30,473 for the 20%-down payment. That payment is 15% of the median Port Jefferson household income of $57,083; at that income and 20% down, the 28% guideline points to a home of about $189,000.
The median rent here is $850 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $20,200 |
|---|---|
| Loan amount | $80,800 |
| Principal and interest | $544 |
| Property taxes (1.49% a year) | $125 |
| Homeowners insurance (our estimate, 0.5% a year) | $42 |
| PMI | $0 |
| Total per month | $711 |
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| Down payment | $3,535 |
|---|---|
| Loan amount | $99,171 |
| Principal and interest | $667 |
| Property taxes (1.49% a year) | $125 |
| Homeowners insurance (our estimate, 0.5% a year) | $42 |
| FHA mortgage insurance | $45 |
| Total per month | $879 |
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Questions about home buying in Port Jefferson
What is the median home value in Port Jefferson?
About $101,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Port Jefferson?
Homeowners pay a median $1,508 a year, which is about 1.49% 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 Port Jefferson?
For the median home with 20% down at 7.11%, the payment is about $711 a month. Keeping that under 28% of gross income takes about $30,473 a year.
More about Port Jefferson
- Mortgage Refinance in Port Jefferson
- Debt Relief in Port Jefferson
- Home Equity Loans in Port Jefferson
- 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