How much do homeowners pay a month in the Town of Rotterdam, NY?

Name: Homeowner costs in the Town of Rotterdam, NY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in the Town of Rotterdam, NY pay a median of $1,843 (±$62) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $691 (±$27).

65.1% of owned homes carry a mortgage.

In the Town of Rotterdam, the median monthly cost with a mortgage went from $1,493 in 2015–2019 to $1,843 in 2020–2024 (+23.4%).

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 November 12, 2026.

With a mortgage: $1,843 (±$62)
Without a mortgage: $691 (±$27)
Owned with a mortgage: 65.1%

Monthly owner costs in the Town of Rotterdam

Median selected monthly owner costs, estimate (90% margin of error)
	Town of Rotterdam	Schenectady County	New York	United States
With a mortgage	$1,843 (±$62)	$1,875 (±$41)	$2,555 (±$9)	$1,963
Without a mortgage	$691 (±$27)	$756 (±$23)	$958 (±$5)	$638
Owned homes with a mortgage	65.1% (±2.6 points)	63.2% (±1.8 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$4,845 (±$183)	$5,568 (±$144)	$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 Rotterdam, the median cost with a mortgage is not measurably different from Schenectady County ($1,875).

It is also lower than in New York ($2,555).

It is lower than the national figure ($1,963).

In Schenectady County, the Town of Rotterdam ranks 5 of 6 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 260 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 Rotterdam have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,493 (±$39)	$1,843 (±$62)	+23.4%	No measurable change after inflation
Median real estate taxes	$4,289 (±$138)	$4,845 (±$183)	+13.0%	Down after inflation
Median home value	$169,800 (±$2,772)	$227,000 (±$4,258)	+33.7%	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 the Town of Rotterdam

Nearest places with a published estimate, compared with the Town of Rotterdam
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Town of Rotterdam	—	$1,843 (±$62)	—
Village of Scotia	3.0 mi	$1,533 (±$140)	Lower
Town of Princetown	3.4 mi	$2,348 (±$250)	Higher
Schenectady	4.3 mi	$1,596 (±$50)	Lower
Town of Glenville	5.4 mi	$1,920 (±$61)	Not measurably different
East Glenville	5.5 mi	$2,065 (±$137)	Higher
Mariaville Lake	6.1 mi	$1,452 (±$110)	Lower
Niskayuna (community)	6.3 mi	$2,454 (±$92)	Higher
Town of Niskayuna	7.0 mi	$2,463 (±$92)	Higher

Nearby places with a measurably lower figure: Village of Scotia, NY ($1,533), Schenectady, NY ($1,596), Mariaville Lake, NY ($1,452).

Nearby places with a measurably higher figure: Town of Princetown, NY ($2,348), East Glenville, NY ($2,065), Niskayuna (community), NY ($2,454).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Schenectady County, place by place

Rank	Place	Median monthly cost with a mortgage
1	Town of Niskayuna	$2,463 (±$92)
2	Town of Princetown	$2,348 (±$250)
3	Town of Duanesburg	$2,119 (±$225)
4	Town of Glenville	$1,920 (±$61)
5	Town of Rotterdam	$1,843 (±$62)
6	Schenectady	$1,596 (±$50)

A New York town includes the villages and hamlets inside it, so the figures for the Town of Rotterdam include them.

The figures for the Town of Rotterdam include the places inside it that have pages of their own: Rotterdam (community).

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 Rotterdam

What is the average mortgage payment in the Town of Rotterdam?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in the Town of Rotterdam, NY is $1,843 (±$62) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in the Town of Rotterdam?

Owners without a mortgage in the Town of Rotterdam pay a median of $691 (±$27) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in the Town of Rotterdam gone up?

In the Town of Rotterdam, the median monthly cost with a mortgage went from $1,493 in 2015–2019 to $1,843 in 2020–2024 (+23.4%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

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 Rotterdam town, Schenectady County, New York (county subdivision:63935, in state:36 county:093).

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.

Request a Census API 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.