How much do homeowners pay a month in the Town of Gilboa, NY?
Homeowners with a mortgage in the Town of Gilboa, NY pay a median of $1,618 (±$277) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $490 (±$86).
46.1% of owned homes carry a mortgage.
In the Town of Gilboa, the median monthly cost with a mortgage went from $1,170 in 2015–2019 to $1,618 in 2020–2024 (+38.3%).
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
- $1,618 (±$277)
- Without a mortgage
- $490 (±$86)
- Owned with a mortgage
- 46.1%
Monthly owner costs in the Town of Gilboa
| Town of Gilboa | Schoharie County | New York | United States | |
|---|---|---|---|---|
| With a mortgage | $1,618 (±$277) | $1,636 (±$59) | $2,555 (±$9) | $1,963 |
| Without a mortgage | $490 (±$86) | $664 (±$29) | $958 (±$5) | $638 |
| Owned homes with a mortgage | 46.1% (±6.5 points) | 49.1% (±3.1 points) | 57.8% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $2,332 (±$175) | $3,914 (±$206) | $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 Gilboa, the median cost with a mortgage is not measurably different from Schoharie County ($1,636).
It is also lower than in New York ($2,555).
It is lower than the national figure ($1,963).
In Schoharie County, the Town of Gilboa ranks 8 of 16 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 461 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 Gilboa have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,170 (±$88) | $1,618 (±$277) | +38.3% | No measurable change after inflation |
| Median real estate taxes | $1,870 (±$202) | $2,332 (±$175) | +24.7% | No measurable change after inflation |
| Median home value | $150,000 (±$20,268) | $219,600 (±$45,918) | +46.4% | 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 Gilboa
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Town of Gilboa | — | $1,618 (±$277) | — |
| Town of Blenheim | 5.3 mi | $1,650 (±$266) | Not measurably different |
| Town of Conesville | 6.3 mi | $1,383 (±$183) | Not measurably different |
| Town of Prattsville | 8.0 mi | $1,647 (±$353) | Not measurably different |
| Village of Stamford | 8.4 mi | $1,393 (±$216) | Not measurably different |
| Town of Jefferson | 8.8 mi | $1,524 (±$150) | Not measurably different |
| Town of Roxbury | 8.8 mi | $1,390 (±$154) | Not measurably different |
| Town of Broome | 9.6 mi | $1,290 (±$173) | Lower |
| Town of Ashland (Greene County) | 9.8 mi | $1,807 (±$515) | Not measurably different |
Nearby places with a measurably lower figure: Town of Broome, NY ($1,290).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Schoharie County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 2 (tie) | Town of Cobleskill | $1,740 (±$294) |
| 2 (tie) | Town of Richmondville | $1,740 (±$155) |
| 4 (tie) | Town of Esperance | $1,693 (±$116) |
| 4 (tie) | Town of Schoharie | $1,693 (±$131) |
| 6 | Town of Middleburgh | $1,652 (±$200) |
| 7 | Town of Blenheim | $1,650 (±$266) |
| 8 | Town of Gilboa | $1,618 (±$277) |
| 9 | Town of Seward | $1,602 (±$199) |
| 10 | Town of Sharon | $1,545 (±$134) |
| 11 | Town of Jefferson | $1,524 (±$150) |
| 12 | Town of Summit | $1,500 (±$547) |
| 13 | Town of Carlisle | $1,467 (±$155) |
| 14 | Town of Fulton | $1,448 (±$152) |
Showing 13 of 16 places in Schoharie County, ranked from highest to lowest.
A New York town includes the villages and hamlets inside it, so the figures for the Town of Gilboa 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 Gilboa
What is the average mortgage payment in the Town of Gilboa?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Town of Gilboa, NY is $1,618 (±$277) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in the Town of Gilboa?
Owners without a mortgage in the Town of Gilboa pay a median of $490 (±$86) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in the Town of Gilboa gone up?
In the Town of Gilboa, the median monthly cost with a mortgage went from $1,170 in 2015–2019 to $1,618 in 2020–2024 (+38.3%).
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 — Gilboa town, Schoharie County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Gilboa town, Schoharie County, New York
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Gilboa town, Schoharie County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Gilboa town, Schoharie County, New York
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Gilboa town, Schoharie 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 Gilboa town, Schoharie County, New York (county subdivision:28981, in state:36 county:095).
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 Gilboa at a glance
- Income and affordability in the Town of Gilboa
- Home values in the Town of Gilboa
- Property taxes in the Town of Gilboa
- Types of homes in the Town of Gilboa
- Bedrooms in the Town of Gilboa
- Age of homes in the Town of Gilboa
- Heating fuel in the Town of Gilboa
- Commute and cars in the Town of Gilboa
- Population growth in the Town of Gilboa
- New York landlord and tenant rules
- Housing across Schoharie County
- Housing data for every place in New York