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

Prices rising — worse for buyers.

Affordability

Enter your income for Monticello.

Income (annual)

Down Payment

$53,964 on $269,818

Example: $75,000 household income. Change it above to see your own.

Stretch30.4% of income

Above 28% but manageable with cuts.

PITI$1,901

P/I30.4%

Afford$248K

Gap-$21K

P&I $1,364Tax $387Ins $150

Renting $251/mo cheaper ($1,650 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Monticello with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Monticello, NY