How much do homeowners pay a month in Elma Center, NY?
Homeowners with a mortgage in Elma Center, NY pay a median of $2,214 (±$674) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $890 (±$109).
54.5% of owned homes carry a mortgage.
In Elma Center, the median monthly cost with a mortgage went from $1,637 in 2015–2019 to $2,214 in 2020–2024 (+35.2%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Figures last updated on .
- With a mortgage
- $2,214 (±$674)
- Without a mortgage
- $890 (±$109)
- Owned with a mortgage
- 54.5%
Monthly owner costs in Elma Center
| Elma Center | Erie County | New York | United States | |
|---|---|---|---|---|
| With a mortgage | $2,214 (±$674) | $1,619 (±$14) | $2,555 (±$9) | $1,963 |
| Without a mortgage | $890 (±$109) | $661 (±$8) | $958 (±$5) | $638 |
| Owned homes with a mortgage | 54.5% (±12.5 points) | 56.8% (±0.8 points) | 57.8% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $7,126 (±$1,588) | $4,622 (±$53) | $6,582 (±$21) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In Elma Center, the median cost with a mortgage is not measurably different from Erie County ($1,619).
It is not measurably different from New York ($2,555).
It is not measurably different from the national figure ($1,963).
In Erie County, Elma Center ranks 2 of 18 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 272 of 404.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Elma Center have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,637 (±$309) | $2,214 (±$674) | +35.2% | No measurable change after inflation |
| Median real estate taxes | $4,484 (±$868) | $7,126 (±$1,588) | +58.9% | No measurable change after inflation |
| Median home value | $274,600 (±$29,498) | $423,000 (±$36,971) | +54.0% | Up after inflation |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Median monthly cost with a mortgage in places near Elma Center
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Elma Center | — | $2,214 (±$674) | — |
| Billington Heights | 3.0 mi | $1,697 (±$138) | Not measurably different |
| Village of East Aurora | 4.3 mi | $2,263 (±$237) | Not measurably different |
| Village of Lancaster | 5.3 mi | $1,435 (±$97) | Lower |
| Town of Marilla | 5.4 mi | $1,767 (±$231) | Not measurably different |
| Town Line | 5.4 mi | $1,679 (±$80) | Not measurably different |
| Town of Lancaster | 5.7 mi | $1,769 (±$85) | Not measurably different |
| West Seneca (community) | 6.0 mi | $1,644 (±$43) | Not measurably different |
| Town of West Seneca | 6.0 mi | $1,644 (±$43) | Not measurably different |
Nearby places with a measurably lower figure: Village of Lancaster, NY ($1,435).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Erie County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 1 | Clarence Center | $3,070 (±$1,550) |
| 2 | Elma Center | $2,214 (±$674) |
| 3 | Clarence (community) | $2,152 (±$182) |
| 4 | Harris Hill | $1,874 (±$144) |
| 5 | Eggertsville | $1,803 (±$154) |
| 6 | Eden (community) | $1,713 (±$123) |
| 7 | Billington Heights | $1,697 (±$138) |
| 8 | North Boston | $1,683 (±$373) |
Showing 8 of 18 places in Erie County, ranked from highest to lowest.
Elma Center is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.
It lies inside the Town of Elma, whose figures include it.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Elma Center
What is the average mortgage payment in Elma Center?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Elma Center, NY is $2,214 (±$674) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Elma Center?
Owners without a mortgage in Elma Center pay a median of $890 (±$109) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Elma Center gone up?
In Elma Center, the median monthly cost with a mortgage went from $1,637 in 2015–2019 to $2,214 in 2020–2024 (+35.2%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Elma Center CDP, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Elma Center CDP, New York
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Elma Center CDP, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Elma Center CDP, New York
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Elma Center CDP, New York
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Elma Center CDP, New York (place:24141, in state:36).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .
Related
- Housing in Elma Center at a glance
- Median rent in Elma Center
- Renters and owners in Elma Center
- Income and affordability in Elma Center
- Home values in Elma Center
- Property taxes in Elma Center
- Types of homes in Elma Center
- Bedrooms in Elma Center
- Age of homes in Elma Center
- Heating fuel in Elma Center
- Commute and cars in Elma Center
- Population growth in Elma Center
- New York landlord and tenant rules
- Housing across Erie County
- Housing data for every place in New York