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City · 9,455 residents · St. Lawrence County, New York

Ogdensburg , New York

In Ogdensburg, a typical home is worth $85,400 and typical rent is $778 a month. Compared with all of St. Lawrence County, the typical home value is 30% lower and the share of households that own their home is 5 points lower.

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  • Typical home value

    $85,400

    30% below the county

    80% below New York

    • Ogdensburg
    • St. Lawrence
    • New York

  • Typical rent

    $778a month

    5% below the county

    52% below New York

    • Ogdensburg
    • St. Lawrence
    • New York

  • Typical household income

    $61,824a year

    About the same as the county

    28% below New York

    • Ogdensburg
    • St. Lawrence
    • New York

  • Households that own their home

    67%

    5 points below the county

    12 points above New York

    • Ogdensburg
    • St. Lawrence
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$115,948
2.9% more than 12 months ago

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

Ogdensburg 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 Ogdensburg apart

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

  1. Ogdensburg has the 3rd lowest typical home value of the 348 cities in New York with more than 5,000 people ($85,400).

  2. Ogdensburg has the 7th lowest typical rent of the 333 cities in New York with more than 5,000 people ($778).

  3. 67% of households in Ogdensburg own their home, against 72% in St. Lawrence County.

  4. Ogdensburg has the 28th smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (39%).

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

The homes here

Housing in Ogdensburg

What homes there are in Ogdensburg, 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

As in St. Lawrence County, most homes in Ogdensburg are detached houses (73%).

Year built

Old homes abound here: at least half date from before 1940, and 76% were built before 1960.

In Ogdensburg, 57% of homes have 3 bedrooms or more, about the same as in St. Lawrence County.

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

$1,136 a month

St. Lawrence County: $1,330 a month

Without a mortgage

$518 a month

St. Lawrence County: $530 a month

Owners with a mortgage

49%

St. Lawrence County: 48%

In Ogdensburg, 49% of owners have a mortgage, and their typical cost is $1,136 a month, against $1,330 in St. Lawrence County. Without one it drops to $518.

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

Homes in Ogdensburg gained value more slowly than in St. Lawrence County: 26% since 2015–2019, against 30%.

Since 2015–2019, the typical rent in Ogdensburg rose 24%, more than in St. Lawrence County (10%).

The typical household income in Ogdensburg rose 47%: more than home values (+26%) and rent (+24%).

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

MeasureOgdensburgSt. 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 2.062.322.492.53
Drive alone 70%75%49%69%
Carpool 13%9%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 10%7%6%3%
Work from home 5%7%15%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Ogdensburg has 2.06 people, fewer than in St. Lawrence County (2.32).

More people carpool to work in Ogdensburg than in St. Lawrence County: 13% against 9%.

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 Ogdensburg?

A typical home is within reach of the typical income

We start with a typical home in Ogdensburg, worth $85,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 17% of the typical household income in Ogdensburg, which is $61,824 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 Ogdensburg. 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 $2,989 (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

$862

at 7.18% · 30 years

Loan amount
$83,853
Total interest
$120,645
Paid off in
November 2056

Includes $1,442 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,443 a month

    Your payment · 17%

  • Tight

    $1,443 to $1,855 a month

  • Hard

    more than $1,855 a month

Compared with the typical household income in Ogdensburg ($61,824 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$862
Principal & interest$568
Property tax$221
Home insurance$36
FHA mortgage insurance (MIP)$38

You need at least $2,989 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

Ogdensburg and St. Lawrence County

Ogdensburg 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).

Ogdensburg's own numbers

Typical home value
$85,400
Typical monthly rent
$778
Typical yearly household income
$61,824
Households that own their home
67%
Effective property tax rate
3.1%

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 Ogdensburg

A typical home in Ogdensburg is worth $85,400: 30% below the county and 80% below New York. With the typical household income in Ogdensburg ($61,824 a year), a typical home costs 1.4 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.

  • Ogdensburg 1.4 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

Ogdensburg 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
  • Ogdensburg $85,400
  • St. Lawrence $121,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Ogdensburg $778
  • St. Lawrence $818
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Ogdensburg $61,824
  • St. Lawrence $62,850
  • New York $85,974
  • United States $80,734
See the full table
Ogdensburg next to St. Lawrence County and New York
Measure Ogdensburg St. Lawrence County New York U.S.
Typical home value $85,400 $121,900 $423,800 $332,700
Typical monthly rent $778 $818 $1,621 $1,413
Typical yearly household income $61,824 $62,850 $85,974 $80,734
Households that own their home 67% 72% 54% 65%
Typical yearly property tax $2,644 $2,844 $6,582 $3,119
Effective property tax rate 3.1% 2.33% 1.55% 0.94%
Renters with high rent for their income 39% 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 Ogdensburg

For a typical $85,400 home in Ogdensburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ogdensburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $862a month

    Least cash to close
    Down payment
    $2,989
    Cash to close
    $5,551
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $38

  • Conventional, 5% down $846a month

    Down payment
    $4,270
    Cash to close
    $6,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $41

  • Conventional, 20% down, no PMI $719a month

    Down payment
    $17,080
    Cash to close
    $19,642
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $798a month

    Down payment
    $12,810
    Cash to close
    $15,372
    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 Ogdensburg and for St. Lawrence County.

Property tax

Effective rate in Ogdensburg

3.1%of the home’s value each year

$2,644 a year for the typical owner in Ogdensburg.

  • Ogdensburg 3.1%
  • 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 Ogdensburg

Typical rent in Ogdensburg is $778 a month: 5% below the county. In Ogdensburg, 39% 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 Ogdensburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ogdensburg is in ZIP code 13669.

For 2 bedrooms it is $1,030: $11 less than the fair market rent for St. Lawrence County ($1,041).

  • 13669 $1,030$1,230

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ogdensburg 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 Ogdensburg

HUD lists 4 buildings with rents for lower incomes in Ogdensburg. These are the largest.

  • Belmont CTS. Ogdensburg 13669 126 low-income homes · Run by Ogdensburg Housing Authority · Average payment: $429 a month · Average wait: 6 months (315) 393-3710
  • Centennial Terrace 202 Washington St, Ogdensburg 13669 110 low-income homes · Run by Ogdensburg Housing Authority · Average payment: $338 a month · Average wait: 5 months (315) 393-3710
  • Riverview Towers 232 Washington St, Ogdensburg 13669 100 low-income homes · Run by Ogdensburg Housing Authority · Average payment: $453 a month · Average wait: 4 months (315) 393-3710
  • Parkview Rise 1111 Jay St, Ogdensburg 13669 50 low-income homes · Run by Ogdensburg Housing Authority · Average payment: $416 a month · Average wait: 13 months (315) 393-3710

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

Free help

Help to buy or rent in Ogdensburg

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.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Ogdensburg

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

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

Housing counselors near Ogdensburg

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

  • Neighbors of Watertown, Inc.

    112 Franklin St, Watertown · 56 miles away

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

  • Friends of the North Country

    1387 Hardscrabble Rd, Cadyville · 86 miles away

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

  • City of Fulton Community Development Agency

    125 W Broadway, Fulton · 108 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (315) 593-7166

All counseling agencies in New York

Help in Spanish near Ogdensburg

None of the 3 agencies on this list say they serve 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 Ogdensburg

HUD’s record names them for Ogdensburg 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 Ogdensburg, 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 Ogdensburg.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Ogdensburg

Short answers with the numbers for Ogdensburg 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 Ogdensburg?

The typical home value in Ogdensburg is $85,400, 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 Ogdensburg?

Typical rent in Ogdensburg is $778 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 Ogdensburg?

Ogdensburg 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 Ogdensburg?

The typical homeowner in Ogdensburg pays $2,644 a year, according to the U.S. Census Bureau. That is 3.1% 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 Ogdensburg?

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).