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Learn about the people, housing, costs and businesses in Oppenheim-Ephratah-St. Johnsville, New York
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Oppenheim-Ephratah-St. Johnsville.
True all-in cost — P&I, taxes, insurance & utilities for homes in Oppenheim-Ephratah-St. Johnsville.
Find and compare lenders active near Oppenheim-Ephratah-St. Johnsville.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Oppenheim-Ephratah-St. Johnsville.
Seismic risk and earthquake insurance estimates for Oppenheim-Ephratah-St. Johnsville.
Wildfire exposure and insurance estimates for Oppenheim-Ephratah-St. Johnsville.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Oppenheim-Ephratah-St. Johnsville is approximately 7.064% (7.109% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Oppenheim-Ephratah-St. JohnsvilleThe median home value in Oppenheim-Ephratah-St. Johnsville is $103k. The median monthly rent is $780. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Oppenheim-Ephratah-St. Johnsville have increased 18.5% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $775/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $33k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Oppenheim-Ephratah-St. Johnsville is $62k/year.
Calculate your buying powerThe largest employment sectors in Oppenheim-Ephratah-St. Johnsville are public administration (27%) and wholesale trade (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.