How much house can you afford in Syracuse? With a median price of $230,000 and a typical effective property tax rate of 2.9%, here are the real numbers a typical buyer faces in Onondaga County — plus a calculator for your exact case.
| Median home price | $230,000 |
| Down payment (20%) | $46,000 |
| Loan amount | $184,000 |
| Principal & interest / mo | $1,163 |
| Property tax / mo (2.9%) | $556 |
| Insurance / mo | $150 |
| Total monthly payment | $1,869 |
| Annual income needed (28% rule) | $80,093 |
Syracuse is drawing new attention from the Micron chip plant investment; entry prices are still among the lowest in the state.
Different income, debts, down payment or rate — the calculator adjusts instantly and gives you a conservative-to-aggressive range for Syracuse.
Calculate my Syracuse mortgage →The typical effective rate in Onondaga County is about 2.9% of home value per year. On a median $230,000 home that is roughly $6,670 per year ($556 per month).
For the median $230,000 home with 20% down, the total payment is about $1,869/mo. Under the 28% rule you need a gross income of ~$80,093 per year. With a smaller down payment or existing debts, the figure rises.
No. Onondaga County is outside NYC, so the city's mortgage recording tax does not apply. The 1% state mansion tax only kicks in at $1 million or more.
Indicative figures based on public data and the stated assumptions; not financial advice. Confirm rates and taxes with your lender and attorney.
