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City · 10,238 residents · St. Lawrence County, New York

Massena , New York

In Massena, a typical home is worth $94,400 and typical rent is $722 a month. Compared with all of St. Lawrence County, the typical home value is 23% lower, typical household income is 18% lower, and the share of households that own their home is 16 points lower.

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  • Typical home value

    $94,400

    23% below the county

    78% below New York

    • Massena
    • St. Lawrence
    • New York

  • Typical rent

    $722a month

    12% below the county

    55% below New York

    • Massena
    • St. Lawrence
    • New York

  • Typical household income

    $51,458a year

    18% below the county

    40% below New York

    • Massena
    • St. Lawrence
    • New York

  • Households that own their home

    55%

    16 points below the county

    1 points above New York

    • Massena
    • St. Lawrence
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$124,462
5% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Massena 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Massena apart

What this place has that others do not, from public data, most unusual first.

  1. Massena has the 4th lowest typical rent of the 333 cities in New York with more than 5,000 people ($722).

  2. Massena has the 7th lowest typical home value of the 348 cities in New York with more than 5,000 people ($94,400).

  3. 55% of households in Massena own their home, against 72% in St. Lawrence County.

  4. The typical household income in Massena is $51,458, 18% less than in St. Lawrence County as a whole ($62,850).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Massena

What homes there are in Massena, 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

The detached house is still the most common home in Massena, but it weighs less than in St. Lawrence County: 67% against 72%.

Year built

Homes in Massena are older: the typical year built is 1954; in St. Lawrence County, 1964.

Homes in Massena are smaller: 50% have 3 bedrooms or more; in St. Lawrence County, 60%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,106 a month

St. Lawrence County: $1,330 a month

Without a mortgage

$488 a month

St. Lawrence County: $530 a month

Owners with a mortgage

57%

St. Lawrence County: 48%

The typical cost for an owner with a mortgage in Massena is $1,106 a month, less than in St. Lawrence County ($1,330); without one, $488.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Massena rose 24% since 2015–2019, less than in St. Lawrence County (30%).

Since 2015–2019, the typical rent in Massena did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMassenaSt. Lawrence CountyNew YorkUnited States
Rental vacancy Unreliable estimate3.9%3.8%5.5%
Homeowner vacancy Unreliable estimate1.3%1.1%0.9%
More than one person per room Unreliable estimate2.1%5.3%3.4%
People per household 2.042.322.492.53
Drive alone 82%75%49%69%
Carpool 8%9%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike Unreliable estimate7%6%3%
Work from home Unreliable estimate7%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Massena has 2.04 people, fewer than in St. Lawrence County (2.32).

To get to work, 82% of workers in Massena drive alone; in St. Lawrence County, 75%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Massena?

A typical home is within reach of the typical income

We start with a typical home in Massena, worth $94,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Massena, which is $51,458 a year.

The calculator's FHA and conventional loan limits are those of all of St. Lawrence County.

Your numbers

Local data
$

Starts at the typical home value in Massena. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $3,304 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$977

at 7.18% · 30 years

Loan amount
$92,690
Total interest
$133,359
Paid off in
November 2056

Includes $1,594 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,201 a month

    Your payment · 23%

  • Tight

    $1,201 to $1,544 a month

  • Hard

    more than $1,544 a month

Compared with the typical household income in Massena ($51,458 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$977
Principal & interest$628
Property tax$268
Home insurance$39
FHA mortgage insurance (MIP)$42

You need at least $3,304 for the down payment, plus closing costs.

Next step

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.

The city and its county

Massena and St. Lawrence County

Massena 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).

Massena's own numbers

Typical home value
$94,400
Typical monthly rent
$722
Typical yearly household income
$51,458
Households that own their home
55%
Effective property tax rate
3.41%

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.

Everything about St. Lawrence County

Buying

Buying a home in Massena

A typical home in Massena is worth $94,400: 23% below the county and 78% below New York. With the typical household income in Massena ($51,458 a year), a typical home costs 1.8 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.

  • Massena 1.8 years
  • St. Lawrence 1.9 years
  • New York 4.9 years
  • United States 4.1 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.

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

Massena 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
  • Massena $94,400
  • St. Lawrence $121,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Massena $722
  • St. Lawrence $818
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Massena $51,458
  • St. Lawrence $62,850
  • New York $85,974
  • United States $80,734
See the full table
Massena next to St. Lawrence County and New York
Measure Massena St. Lawrence County New York U.S.
Typical home value $94,400 $121,900 $423,800 $332,700
Typical monthly rent $722 $818 $1,621 $1,413
Typical yearly household income $51,458 $62,850 $85,974 $80,734
Households that own their home 55% 72% 54% 65%
Typical yearly property tax $3,218 $2,844 $6,582 $3,119
Effective property tax rate 3.41% 2.33% 1.55% 0.94%
Renters with high rent for their income 58% 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 Massena

For a typical $94,400 home in Massena, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Massena's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $977a month

    Least cash to close
    Down payment
    $3,304
    Cash to close
    $6,136
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $42

  • Conventional, 5% down $960a month

    Down payment
    $4,720
    Cash to close
    $7,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $45

  • Conventional, 20% down, no PMI $819a month

    Down payment
    $18,880
    Cash to close
    $21,712
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $906a month

    Down payment
    $14,160
    Cash to close
    $16,992
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Massena and for St. Lawrence County.

Property tax

Effective rate in Massena

3.41%of the home’s value each year

$3,218 a year for the typical owner in Massena.

  • Massena 3.41%
  • St. Lawrence 2.33%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in St. Lawrence County

FEMA does not publish these numbers by city: they are for all of St. Lawrence County.

FEMA’s maps count no homes in the high-risk zone in St. Lawrence County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Massena

Typical rent in Massena is $722 a month: 12% below the county. In Massena, 58% 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.

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 Massena

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Massena is in ZIP code 13662.

For 2 bedrooms it is $1,010: $31 less than the fair market rent for St. Lawrence County ($1,041).

  • 13662 $1,010$1,210

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Massena 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Massena

HUD lists one building with rents for lower incomes in Massena.

  • Laurel/Grasmere/Meadow View/Victory 9 Laurel Ave, Massena 13662 241 low-income homes · Run by Massena Housing Authority · Average payment: $456 a month · Average wait: 5 months (315) 764-1706

See all 22 buildings in St. Lawrence County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Massena

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Massena

No down payment, repair or rent-help program on our list is for Massena or St. Lawrence County. The ones below are statewide in New York: they work in Massena the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Massena

The HUD-approved agencies closest to the center of Massena, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Friends of the North Country

    1387 Hardscrabble Rd, Cadyville · 61 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (518) 293-5045

  • Neighbors of Watertown, Inc.

    112 Franklin St, Watertown · 84 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (315) 782-8497

  • Unhs Neighborworks Homeownership Center

    1611 Genesee St, Utica · 128 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 19 more languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (315) 724-4197

All counseling agencies in New York

Help in Spanish near Massena

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Massena

HUD’s record names them for Massena or St. Lawrence County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

2 other authorities have an office in St. Lawrence County: see the list Source: HUD

Cities

Other cities in St. Lawrence County

These cities are also in St. Lawrence County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Lawrence County Housing in New York

Nearby cities

The cities closest to Massena, with the typical home value.

Neighboring counties

If St. Lawrence County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Massena.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Massena

Short answers with the numbers for Massena 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 Massena?

The typical home value in Massena is $94,400, 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 Massena?

Typical rent in Massena is $722 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 Massena?

Massena 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 Massena?

The typical homeowner in Massena pays $3,218 a year, according to the U.S. Census Bureau. That is 3.41% 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 Massena?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).