How much do homeowners pay a month in the Town of Phelps, NY?
Homeowners with a mortgage in the Town of Phelps, NY pay a median of $1,405 (±$129) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $645 (±$36).
58.7% of owned homes carry a mortgage.
In the Town of Phelps, the median monthly cost with a mortgage went from $1,263 in 2015–2019 to $1,405 in 2020–2024 (+11.2%).
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
- $1,405 (±$129)
- Without a mortgage
- $645 (±$36)
- Owned with a mortgage
- 58.7%
Monthly owner costs in the Town of Phelps
| Town of Phelps | Ontario County | New York | United States | |
|---|---|---|---|---|
| With a mortgage | $1,405 (±$129) | $1,685 (±$41) | $2,555 (±$9) | $1,963 |
| Without a mortgage | $645 (±$36) | $721 (±$25) | $958 (±$5) | $638 |
| Owned homes with a mortgage | 58.7% (±6.8 points) | 57.3% (±1.7 points) | 57.8% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $3,932 (±$423) | $4,565 (±$127) | $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 Phelps, the median cost with a mortgage is lower than in Ontario County ($1,685).
It is also lower than in New York ($2,555).
It is lower than the national figure ($1,963).
In Ontario County, the Town of Phelps ranks 16 of 18 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 725 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 Phelps have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,263 (±$83) | $1,405 (±$129) | +11.2% | No measurable change after inflation |
| Median real estate taxes | $3,527 (±$415) | $3,932 (±$423) | +11.5% | No measurable change after inflation |
| Median home value | $126,500 (±$10,174) | $166,300 (±$10,287) | +31.5% | 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 Phelps
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Town of Phelps | — | $1,405 (±$129) | — |
| Village of Phelps | 0.8 mi | $1,410 (±$120) | Not measurably different |
| Village of Clifton Springs | 4.4 mi | $1,475 (±$184) | Not measurably different |
| Village of Newark | 6.3 mi | $1,331 (±$89) | Not measurably different |
| Geneva (Ontario County) | 7.0 mi | $1,421 (±$139) | Not measurably different |
| Town of Junius | 7.1 mi | $1,623 (±$71) | Higher |
| Town of Waterloo | 7.3 mi | $1,293 (±$121) | Not measurably different |
| Town of Manchester | 7.7 mi | $1,347 (±$75) | Not measurably different |
| Lyons (community) | 7.9 mi | $1,118 (±$186) | Lower |
Nearby places with a measurably lower figure: Lyons (community), NY ($1,118).
Nearby places with a measurably higher figure: Town of Junius, NY ($1,623).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Ontario County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 10 | Canandaigua | $1,680 (±$130) |
| 11 | Town of Seneca | $1,649 (±$225) |
| 12 | Town of Canadice | $1,630 (±$81) |
| 13 | Town of East Bloomfield | $1,585 (±$141) |
| 14 | Town of Naples | $1,462 (±$82) |
| 15 | Geneva (Ontario County) | $1,421 (±$139) |
| 16 | Town of Phelps | $1,405 (±$129) |
| 17 | Town of Geneva | $1,383 (±$163) |
| 18 | Town of Manchester | $1,347 (±$75) |
Showing 9 of 18 places in Ontario County, ranked from highest to lowest.
A New York town includes the villages and hamlets inside it, so the figures for the Town of Phelps 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.
What you can do on Seayora in Town of Phelps
One account for renting, owning, managing and fixing homes, with these figures beside you.
Own or manage a rental?
List it, sign the lease and collect rent online, with the figures for Town of Phelps beside you.
Create a landlord account · See what landlords get
Looking for a place to rent?
Browse homes for rent near Town of Phelps, save the ones you like and apply online.
Browse rentals · Create a renter account
Do repairs, renovations or maintenance?
Get found by owners and renters near Town of Phelps, and send estimates and invoices from your phone.
Questions about Town of Phelps
What is the average mortgage payment in the Town of Phelps?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Town of Phelps, NY is $1,405 (±$129) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in the Town of Phelps?
Owners without a mortgage in the Town of Phelps pay a median of $645 (±$36) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in the Town of Phelps gone up?
In the Town of Phelps, the median monthly cost with a mortgage went from $1,263 in 2015–2019 to $1,405 in 2020–2024 (+11.2%).
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 — Phelps town, Ontario County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Phelps town, Ontario County, New York
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Phelps town, Ontario County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Phelps town, Ontario County, New York
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Phelps town, Ontario 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 Phelps town, Ontario County, New York (county subdivision:57529, in state:36 county:069).
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 Phelps at a glance
- Median rent in the Town of Phelps
- Rent by bedrooms in the Town of Phelps
- Rent burden in the Town of Phelps
- Renters and owners in the Town of Phelps
- Income and affordability in the Town of Phelps
- Home values in the Town of Phelps
- Property taxes in the Town of Phelps
- Types of homes in the Town of Phelps
- Bedrooms in the Town of Phelps
- Age of homes in the Town of Phelps
- Heating fuel in the Town of Phelps
- Commute and cars in the Town of Phelps
- Population growth in the Town of Phelps
- How long people stay in the Town of Phelps
- Crowding and facilities in the Town of Phelps
- New York landlord and tenant rules
- Housing across Ontario County
- Housing data for every place in New York