St. Johnsville: Housing & Real Estate
The median St. Johnsville home is valued at $80,500 (estimated market value runs 13% higher at $91,167), with median rent $742 (1.2× below Montgomery County median $867; 1.9× below New York median $1,412). Homeownership rate: 62.1%. That's 1.6× below the Montgomery County median ($132,300); 4.5× below the New York median ($360,197). Market is cold. Vacancy rate 20.3%. New construction makes up 0.4% of stock. A municipal building code is in effect.
- 1.7× annual income — home value vs. household income (vs New York 4.0×).
- 9.0 years to break even renting at the median (vs New York 21y).
- 4-BR rent is 1.7× a studio — rent gradient by unit size.
- Median rent 32% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $80,500 — 0.2× the New York median ($360,197). Median rent $742/month. homeownership rate 62.1% — below the U.S. share of ~65%.
| Affordability · Price To Income Ratio | 1.7× |
|---|---|
| Affordability · Rent To Income Pct | 18.9% |
| Affordability · Affordable | Yes |
| Affordability · Interpretation | very affordable |
| Fair Market Rent · Studio rent | $892 |
| Fair Market Rent · One-bedroom rent | $899 |
| Fair Market Rent · Two-bedroom rent | $1,102 |
| Fair Market Rent · Three-bedroom rent | $1,381 |
| Fair Market Rent · Four-bedroom rent | $1,484 |
| Fair Market Rent · HUD FMR area | Montgomery County, NY |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $91,167 |
| Median Home Value | $80,500 (vs New York $360,197) |
| Median Rent | $742 (vs New York $1,412) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | cold |
|---|---|
| Housing Market · Vacancy rate | 20.3% |
| Housing Market · New construction (% of stock) | 0.4% |
| Housing Market · Price Appreciation 2Yr | -1.0% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (1)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 69.7% |
| Broadband · Broadband-capable premises | 885 |
| Electricity · Electricity rate (¢/kWh) | 24.43¢/kWh |
| Electricity · Customers | 7,420,214 |
| Electricity · Revenue Millions | $12,424 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 62.1% |
|---|---|
| Median Year Built | 1938 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12