Ogdensburg, NY home prices
Typical home $149,734 · +6.5% in a year · income needed $50,200
The Ogdensburg, NY metro area ranks 810 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +6.5% in a year and +30.1% over five years. With 20% down at 7.11%, the typical home costs about $1,172 a month including 2.33% property tax (Saint Lawrence County rate).
Mortgage on the typical Ogdensburg home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $29,947 | $119,787 | $806 | $0 | $366 | $1,172 | $50,200 |
| 10% down | $14,973 | $134,761 | $907 | $56 | $366 | $1,329 | $56,900 |
| 5% down | $7,487 | $142,247 | $957 | $59 | $366 | $1,382 | $59,200 |
| 3.5% down (FHA) | $5,241 | $147,022 | $989 | $66 | $366 | $1,421 | $60,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.33% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Ogdensburg area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Saint Lawrence County, NY | $149,753 | +6.4% | 2.33% |
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Frequently asked questions
How much is a house in Ogdensburg?
The typical home in the Ogdensburg, NY metro area is worth $149,734 (Zillow, September 2026).
What salary do you need to buy a house in Ogdensburg?
About $50,200 a year for the typical home with 20% down at 7.11%.