Monthly Cost Calculator

See the true monthly cost of buying in Staten Island — not just the mortgage, but property taxes, insurance, flood insurance, and commute costs that catch buyers off guard.

Select a neighborhood to pre-fill local data (optional)

Adjust Assumptions

Purchase Price

Median: $600,000

Down Payment: 20% ($120K)

0%Loan: $480K50%

Interest Rate: 6.5%

2%10%

Include flood insurance

Required in FEMA flood zones. Not all areas of SI need this.

Include commute costs

Commute to Manhattan

Monthly Cost Breakdown

Mortgage (P&I)

$3,034/mo($36,407/yr)

Property Tax

$500/mo($6,000/yr)

Homeowner's Insurance

$188/mo($2,250/yr)

Commute Costs

$127/mo($1,524/yr)

Express Bus

TOTAL MONTHLY COST

$3,848/mo

$46,181/yr

Mortgage (P&I)

Property Tax

Homeowner's Insurance

Commute Costs

Estimates for planning purposes. Actual costs may vary. Property tax uses a ~1% approximation; NYC assessments differ. Flood insurance ranges reflect typical NFIP premiums.