How much do homeowners pay a month in Ruby, NY?
Homeowners with a mortgage in Ruby, NY pay a median of $2,185 (±$131) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $768 (±$73).
73.1% of owned homes carry a mortgage.
Figures last updated on .
- With a mortgage
- $2,185 (±$131)
- Without a mortgage
- $768 (±$73)
- Owned with a mortgage
- 73.1%
Monthly owner costs in Ruby
| Ruby | Ulster County | New York | United States | |
|---|---|---|---|---|
| With a mortgage | $2,185 (±$131) | $2,287 (±$50) | $2,555 (±$9) | $1,963 |
| Without a mortgage | $768 (±$73) | $953 (±$29) | $958 (±$5) | $638 |
| Owned homes with a mortgage | 73.1% (±17.5 points) | 56.2% (±1.7 points) | 57.8% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $6,047 (±$864) | $6,238 (±$115) | $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 Ruby, the median cost with a mortgage is not measurably different from Ulster County ($2,287).
It is also lower than in New York ($2,555).
It is higher than the national figure ($1,963).
In Ulster County, Ruby ranks 12 of 21 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 277 of 404.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
Median monthly cost with a mortgage in places near Ruby
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Ruby | — | $2,185 (±$131) | — |
| Lake Katrine | 2.2 mi | $1,855 (±$404) | Not measurably different |
| Town of Kingston | 2.9 mi | $1,716 (±$276) | Lower |
| Glasco | 3.9 mi | $2,571 (±$415) | Not measurably different |
| Lincoln Park | 3.9 mi | $1,804 (±$359) | Not measurably different |
| Saugerties South | 4.4 mi | $2,003 (±$146) | Not measurably different |
| West Hurley | 5.1 mi | $2,127 (±$231) | Not measurably different |
| Village of Saugerties | 5.4 mi | $2,438 (±$336) | Not measurably different |
| Village of Tivoli | 5.5 mi | $2,458 (±$409) | Not measurably different |
Nearby places with a measurably lower figure: Town of Kingston, NY ($1,716).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Ulster County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 6 | Woodstock (community) | $3,014 (±$1,307) |
| 7 | Highland (community) | $2,700 (±$309) |
| 8 | Glasco | $2,571 (±$415) |
| 9 | Hurley (community) | $2,356 (±$155) |
| 10 | Walker Valley | $2,241 (±$158) |
| 11 | Plattekill (community) | $2,196 (±$553) |
| 12 | Ruby | $2,185 (±$131) |
| 13 | Wallkill (community) | $2,166 (±$92) |
| 14 | West Hurley | $2,127 (±$231) |
| 15 | Saugerties South | $2,003 (±$146) |
| 16 | Port Ewen | $2,002 (±$230) |
| 17 | Tillson | $1,968 (±$154) |
| 18 | Lake Katrine | $1,855 (±$404) |
Showing 13 of 21 places in Ulster County, ranked from highest to lowest.
Ruby 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 Ulster, 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 Ruby
What is the average mortgage payment in Ruby?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Ruby, NY is $2,185 (±$131) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Ruby?
Owners without a mortgage in Ruby pay a median of $768 (±$73) a month in taxes, insurance, utilities and fees.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Ruby CDP, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Ruby CDP, New York
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Ruby CDP, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Ruby CDP, New York
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Ruby 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 Ruby CDP, New York (place:64056, 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 .