Montgomery County, NY real estate

What the numbers say

Montgomery County, NY real estate at a glance

By AstroCore · Realtor.com, US Census and Freddie Mac data

In September 2026, the median home in Montgomery County listed for $249,225, down 0.1% from a year earlier. That is 59% below the New York median of $605,000.

Homes spent a median of 53 days on the market, faster than 68 days a year ago. That makes Montgomery County the #17 fastest-selling of 48 New York counties we track.

Homeowners in Montgomery County pay a median of $3,872 a year in property taxes on a median home value of $157,500, an effective rate of about 2.46%. The New York average is 1.55%, which makes Montgomery County the #55 lowest-tax of 62 counties in the state with published tax data.

Renters pay a median of $940 a month, and $971 for a two-bedroom. At today's prices a typical home costs about 22 times a year's rent, which generally favors renting over buying in the short term.

With 20% down and today's 7.24% average 30-year rate, the monthly payment on a $249,000 home here comes to about $1,973 including property tax and insurance. Lenders typically want that to be under 28% of income, which works out to roughly $85,000 a year (the median household here earns $64,943).