City · 7,167 residents · St. Lawrence County, New York
Canton, New York
In Canton, a typical home is worth $183,800 and typical rent is $796 a month. Compared with all of St. Lawrence County, the typical home value is 51% higher and the share of households that own their home is 26 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $153,359 to $198,808.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Canton is in St. Lawrence County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of St. Lawrence County. See the county
What this place has that others do not, from public data, most unusual first.
1
46% of households in Canton own their home, against 72% in St. Lawrence County.
2
Nearby, in Ogdensburg, the typical home value is $85,400: 54% less than in Canton ($183,800).
3
Canton has the 10th lowest typical rent of the 333 cities in New York with more than 5,000 people ($796).
4
The typical home in Canton is worth $183,800,51% more than in St. Lawrence County as a whole ($121,900).
5
Canton has the 15th smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (37%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Canton
What homes there are in Canton, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Canton
St. Lawrence County
New York
United States
Kind of home: Canton and its comparisons
Measure
Canton
St. Lawrence County
New York
United States
Detached house
47%
72%
41%
61%
Attached house
Unreliable estimate
1%
6%
6%
Building of 2 to 4
21%
9%
17%
8%
Apartments (5 or more)
Unreliable estimate
8%
35%
19%
Mobile home
Unreliable estimate
10%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Canton; the largest group, detached houses, adds up to 47%, less than in St. Lawrence County (72%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Canton
St. Lawrence County
New York
United States
Year built: Canton and its comparisons
Measure
Canton
St. Lawrence County
New York
United States
Before 1960
36%
47%
52%
26%
1960–1979
35%
20%
22%
24%
1980–1999
17%
19%
14%
25%
2000–2009
Unreliable estimate
7%
6%
14%
2010 or later
Unreliable estimate
6%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K44%
$200K–$300K31%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Canton and its comparisons
Measure
Canton
Under $100K
Unreliable estimate
$100K–$200K
44%
$200K–$300K
31%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99932%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Canton and its comparisons
Measure
Canton
Under $500
Unreliable estimate
$500–$999
32%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,761 a month
St. Lawrence County: $1,330 a month
Without a mortgage
$797 a month
St. Lawrence County: $530 a month
Owners with a mortgage
63%
St. Lawrence County: 48%
In Canton, 63% of owners have a mortgage, and their typical cost is $1,761 a month, against $1,330 in St. Lawrence County. Without one it drops to $797.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
CantonNo clear change
St. Lawrence County+30%
New York+35%
United States+53%
Typical rent
CantonNo clear change
St. Lawrence County+10%
New York+27%
United States+33%
Typical household income
CantonNo clear change
St. Lawrence County+23%
New York+26%
United States+29%
Change since 2015–2019: Canton and its comparisons
Measure
Canton
St. Lawrence County
New York
United States
Typical home value
No clear change
+30%
+35%
+53%
Typical rent
No clear change
+10%
+27%
+33%
Typical household income
No clear change
+23%
+26%
+29%
Since 2015–2019, home values in Canton moved so little that the Census cannot say whether they rose or fell.
Since 2015–2019, the typical rent in Canton did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Canton and its comparisons
Measure
Canton
St. Lawrence County
New York
United States
Rental vacancy
Unreliable estimate
3.9%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.3%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.1%
5.3%
3.4%
People per household
1.72
2.32
2.49
2.53
Drive alone
50%
75%
49%
69%
Carpool
Unreliable estimate
9%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
22%
3%
Walk or bike
24%
7%
6%
3%
Work from home
16%
7%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Canton are smaller: 1.72 people on average; in St. Lawrence County, 2.32.
In Canton, 24% of workers walk or bike to work; in St. Lawrence County, 7%.
Do the math
What would you pay each month for a home in Canton?
A typical home is tight for the typical income
We start with a typical home in Canton, worth $183,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Canton, which is $62,054 a year. For that payment to be 28% of income, a household would need to earn about $78,855 a year.
The calculator's FHA and conventional loan limits are those of all of St. Lawrence County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Canton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,433 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,840
at 7.18% · 30 years
Loan amount
$180,471
Total interest
$259,655
Paid off in
November 2056
Includes $3,104 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,448 a month
Tight
$1,448 to $1,862 a month
Your payment · 36%
Hard
more than $1,862 a month
Compared with the typical household income in Canton ($62,054 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,223
Property tax
$460
Home insurance
$77
FHA mortgage insurance (MIP)
$81
You need at least $6,433 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,840; principal and interest $1,223.
The city and its county
Canton and St. Lawrence County
Canton is in St. Lawrence County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Canton
Map of St. Lawrence County, New York, with Canton marked. Around it, the neighboring counties.
Canton
St. Lawrence County
Other cities with a page
Canton's own numbers
Typical home value
$183,800
Typical monthly rent
$796
Typical yearly household income
$62,054
Households that own their home
46%
Effective property tax rate
3%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of St. Lawrence County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,041
Price change over 5 years (FHFA)
+39%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of St. Lawrence County.
A typical home in Canton is worth $183,800: 51% above the county and 57% below New York. With the typical household income in Canton ($62,054 a year), a typical home costs 3.0 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Canton3.0 years
St. Lawrence1.9 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in St. Lawrence County
According to FHFA’s house price index, home prices in St. Lawrence County rose 54% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of St. Lawrence County.
Yearly change in FHFA’s price index in St. Lawrence County, 2016 to 2025
2016: −0.2% −0.2% 2016
2017: +2.1% +2.1% 2017
2018: +4.7% +4.7% 2018
2019: +2.3% +2.3% 2019
2020: +1.7% +1.7% 2020
2021: +8.2% +8.2% 2021
2022: +6.7% +6.7% 2022
2023: +1.8% +1.8% 2023
2024: +11.5% +11.5% 2024
2025: +6.1% +6.1% 2025
Change in FHFA’s price index in St. Lawrence County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+6.1%
+6.0%
+2.9%
5 years (2020–2025)
+39%
+52%
+47%
10 years (2015–2025)
+54%
+86%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Canton next to St. Lawrence County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Canton$183,800
St. Lawrence$121,900
New York$423,800
United States$332,700
Typical monthly rent
Canton$796
St. Lawrence$818
New York$1,621
United States$1,413
Typical yearly household income
Canton$62,054
St. Lawrence$62,850
New York$85,974
United States$80,734
See the full table
Canton next to St. Lawrence County and New York
Measure
Canton
St. Lawrence County
New York
U.S.
Typical home value
$183,800 ▲51% above the county
$121,900
$423,800
$332,700
Typical monthly rent
$796 ▼3% below the county
$818
$1,621
$1,413
Typical yearly household income
$62,054
$62,850
$85,974
$80,734
Households that own their home
46% ▼26 points below the county
72%
54%
65%
Typical yearly property tax
$5,511 ▲94% above the county
$2,844
$6,582
$3,119
Effective property tax rate
3% ▲0.67 points above the county
2.33%
1.55%
0.94%
Renters with high rent for their income
37% ▼14 points below the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Lawrence County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Canton
For a typical $183,800 home in Canton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Canton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,840a month
Least cash to close
Down payment
$6,433
Cash to close
$11,947
Rate
7.18%
Mortgage insurance
FHA MIP · $81
Conventional, 5% down$1,806a month
Down payment
$9,190
Cash to close
$14,704
Rate
7.18%
Mortgage insurance
PMI · $87
Conventional, 20% down, no PMI$1,532a month
Down payment
$36,760
Cash to close
$42,274
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,702a month
Down payment
$27,570
Cash to close
$33,084
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Canton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,840
$6,433
$180,471
7.18%
FHA MIP · $81
$11,947
580
Conventional, 5% down
$1,806
$9,190
$174,610
7.18%
PMI · $87
$14,704
620*
Conventional, 20% down, no PMI
$1,532
$36,760
$147,040
7.18%
None
$42,274
620*
ITIN, 15% down (example)
$1,702
$27,570
$156,230
8.18%
None
$33,084
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Canton is $796 a month: 3% below the county. In Canton, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of St. Lawrence County, by unit size. To pay the 2-bedroom one ($1,041 a month) without spending more than 30% of your income, you would need to earn $20.02 an hour working full time.
HUD fair market rent for all of St. Lawrence County
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in St. Lawrence County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$725
$13.94
$29,000
1 bedroom
$796
$15.31
$31,840
2 bedrooms
$1,041
$20.02
$41,640
3 bedrooms
$1,246
$23.96
$49,840
4 bedrooms
$1,368
$26.31
$54,720
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Canton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Canton is in ZIP code 13617.
For 2 bedrooms it is $1,140: $99 more than the fair market rent for St. Lawrence County ($1,041).
Fair market rent by ZIP code and size in Canton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
13617
$790
$870
$1,140
$1,360
$1,500
ZIP code2 bd3 bd
13617 $1,140$1,360
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Canton when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Canton. These are the largest.
Diane P. Burns37 Riverside Dr, Canton 1361794 homes, 93 low-income · Run by Canton Housing Authority · Average payment: $385 a month · Average wait: 7 months(315) 386-8381
Chas. Smithers - Law Lane41 Law Ln, Canton 1361776 low-income homes · Run by Canton Housing Authority · Average payment: $459 a month · Average wait: 3 months(315) 386-8381
Canton Grasse River Apts.35 Riverside Dr, Canton 1361750 low-income homes · For older adults(315) 386-8381
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in St. Lawrence County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Canton or St. Lawrence County. The ones below are statewide in New York: they work in Canton the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Canton or St. Lawrence County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Canton and all of St. Lawrence County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Canton?
The typical home value in Canton is $183,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Lawrence County it is $121,900.
How much does it cost to rent in Canton?
Typical rent in Canton is $796 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Lawrence County is $1,041.
What is the FHA loan limit in Canton?
Canton uses the FHA limit for all of St. Lawrence County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Canton?
The typical homeowner in Canton pays $5,511 a year, according to the U.S. Census Bureau. That is 3% of the home’s value; in St. Lawrence County, the rate is 2.33%.
Where can I find free help to buy or rent in Canton?
We found no HUD-approved counseling agencies with an office in St. Lawrence County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
