The median home in Monticello, New York is valued at $269,818, up 0.7% year over year. Typical monthly rent is $1,650, producing a price-to-rent ratio of 13.6x — below the national average of 18x.
Home Value$269,818
+0.7%
Rent$1,650/mo
AFFORDABILITYRenting $251/mo cheaper ($1,650 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Enter your income for Monticello.
$53,964 on $269,818
Stretch — 30.4% of income
Above 28% but manageable with cuts.
PITI$1,901
P/I30.4%
Afford$248K
Gap-$21K
P&I $1,364Tax $387Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in New York
Compare Monticello with other housing markets across New York.