How much do homeowners pay a month in the Town of Charlton, NY?
Homeowners with a mortgage in the Town of Charlton, NY pay a median of $2,008 (±$195) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $575 (±$73).
56.3% of owned homes carry a mortgage.
In the Town of Charlton, the median monthly cost with a mortgage went from $1,895 in 2015–2019 to $2,008 in 2020–2024 (+6.0%).
Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.
Figures last updated on .
- With a mortgage
- $2,008 (±$195)
- Without a mortgage
- $575 (±$73)
- Owned with a mortgage
- 56.3%
Monthly owner costs in the Town of Charlton
| Town of Charlton | Saratoga County | New York | United States | |
|---|---|---|---|---|
| With a mortgage | $2,008 (±$195) | $2,088 (±$40) | $2,555 (±$9) | $1,963 |
| Without a mortgage | $575 (±$73) | $764 (±$22) | $958 (±$5) | $638 |
| Owned homes with a mortgage | 56.3% (±8.9 points) | 62.2% (±1.3 points) | 57.8% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $5,198 (±$960) | $4,875 (±$103) | $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 the Town of Charlton, the median cost with a mortgage is not measurably different from Saratoga County ($2,088).
It is also lower than in New York ($2,555).
It is not measurably different from the national figure ($1,963).
In Saratoga County, the Town of Charlton ranks 10 of 21 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 191 of 999.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in the Town of Charlton have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,895 (±$171) | $2,008 (±$195) | +6.0% | Down after inflation |
| Median real estate taxes | $4,701 (±$370) | $5,198 (±$960) | +10.6% | No measurable change after inflation |
| Median home value | $262,300 (±$19,245) | $340,200 (±$21,419) | +29.7% | No measurable change 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 the Town of Charlton
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Town of Charlton | — | $2,008 (±$195) | — |
| Village of Galway | 4.6 mi | $1,830 (±$410) | Not measurably different |
| Town of Glenville | 4.9 mi | $1,920 (±$61) | Not measurably different |
| Town of Ballston | 5.3 mi | $2,198 (±$129) | Not measurably different |
| Town of Galway | 5.5 mi | $2,183 (±$149) | Not measurably different |
| East Glenville | 7.2 mi | $2,065 (±$137) | Not measurably different |
| Village of Ballston Spa | 7.6 mi | $1,938 (±$148) | Not measurably different |
| Town of Milton | 7.8 mi | $1,890 (±$99) | Not measurably different |
| North Ballston Spa | 8.2 mi | $1,438 (±$438) | Lower |
Nearby places with a measurably lower figure: North Ballston Spa, NY ($1,438).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Saratoga County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 4 | Town of Ballston | $2,198 (±$129) |
| 5 | Town of Malta | $2,193 (±$161) |
| 6 | Town of Galway | $2,183 (±$149) |
| 7 | Town of Halfmoon | $2,181 (±$90) |
| 8 | Town of Wilton | $2,158 (±$196) |
| 9 | Town of Stillwater | $2,048 (±$182) |
| 10 | Town of Charlton | $2,008 (±$195) |
| 11 | Town of Providence | $1,981 (±$507) |
| 12 | Town of Saratoga | $1,970 (±$153) |
| 13 | Town of Waterford | $1,898 (±$76) |
| 14 | Town of Milton | $1,890 (±$99) |
| 15 | Town of Corinth | $1,715 (±$281) |
| 16 | Town of Northumberland | $1,710 (±$213) |
Showing 13 of 21 places in Saratoga County, ranked from highest to lowest.
A New York town includes the villages and hamlets inside it, so the figures for the Town of Charlton include them.
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 Town of Charlton
What is the average mortgage payment in the Town of Charlton?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Town of Charlton, NY is $2,008 (±$195) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in the Town of Charlton?
Owners without a mortgage in the Town of Charlton pay a median of $575 (±$73) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in the Town of Charlton gone up?
In the Town of Charlton, the median monthly cost with a mortgage went from $1,895 in 2015–2019 to $2,008 in 2020–2024 (+6.0%).
Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Charlton town, Saratoga County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Charlton town, Saratoga County, New York
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Charlton town, Saratoga County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Charlton town, Saratoga County, New York
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Charlton town, Saratoga County, 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 Charlton town, Saratoga County, New York (county subdivision:13926, in state:36 county:091).
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 the Town of Charlton at a glance
- Income and affordability in the Town of Charlton
- Home values in the Town of Charlton
- Property taxes in the Town of Charlton
- Types of homes in the Town of Charlton
- Age of homes in the Town of Charlton
- Heating fuel in the Town of Charlton
- Commute and cars in the Town of Charlton
- Population growth in the Town of Charlton
- How long people stay in the Town of Charlton
- New York landlord and tenant rules
- Housing across Saratoga County
- Housing data for every place in New York