Photo: Quintin Soloviev · CC BY 4.0Measured against area pay, Champlain costs more to live in than 52% of U.S. towns
No new homes were permitted in 2025.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Plattsburgh, NY micro area ($71K). How TownRatings grades cost of living
Only 1 sale in May 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
The grade compares costs with what households across the Plattsburgh-area micro earn ($71K, Census 2020–24). Even so, the typical home costs 1.7 years of area income, and 59% of renters pay 30% or more of income for housing.
In dollars
- $1,260a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
In paychecks the grade
- 1.7 yrsof area income buys the typical home; the typical U.S. town: 3.3$71K, Plattsburgh-area income
- 18%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 59%of renters pay 30%+ of income for housing; across New York: 52%Census 2020–24
- 21%of owners do; the typical U.S. town: 20%Census 2020–24
What stands out about housing in Champlain
What’s behind Champlain’s grade
Measured against what households in the area earn, Champlain is more affordable than 48% of U.S. towns. The share of households paying 30%+ for housing pulls the grade down most; home prices hold it up.
A typical home costs 1.7 years of area income
The calculator starts from the area income the grade uses. Switch to Champlain’s own median, or type yours.
That covers a typical Champlain home, with $113K to spare.
A two-bedroom rents for about $1,260 a month here, $400 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Champlain’s typical property tax (2.14% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,260
Renters already here pay a median of $1,071, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Clinton County, NY): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
No new homes permitted in 2025
No permits for new homes were issued in Champlain in 2025. The last year with any was 2024 (1 new home).
Between the 2010 and 2020 censuses, Champlain gained 69 residents while 2 new homes were permitted: about 35 new residents per new home. Population grew faster than building, so existing homes filled up: a sign of tight supply. Across New York: 2.2 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 0 | 0 | 0 | — |
| 2025 | 0 | 0 | 0 | — |
| 2024 | 1 | 1 | 0 | $150,000 |
| 2023 | 0 | 0 | 0 | — |
| 2022 | 0 | 0 | 0 | — |
| 2021 | 0 | 0 | 0 | — |
| 2020 | 0 | 0 | 0 | — |
| 2019 | 0 | 0 | 0 | — |
| 2018 | 0 | 0 | 0 | — |
| 2017 | 0 | 0 | 0 | — |
| 2016 | 1 | 1 | 0 | $250,000 |
| 2015 | 1 | 1 | 0 | $60,000 |
| 2014 | 0 | 0 | 0 | — |
| 2013 | 0 | 0 | 0 | — |
| 2012 | 0 | 0 | 0 | — |
| 2011 | 0 | 0 | 0 | — |
| 2010 | 0 | 0 | 0 | — |
| 2009 | 0 | 0 | 0 | — |
| 2008 | 0 | 0 | 0 | — |
| 2007 | 2 | 2 | 0 | $400,000 |
| 2006 | 0 | 0 | 0 | — |
| 2005 | 1 | 1 | 0 | $120,000 |
| 2004 | 1 | 1 | 0 | $120,000 |
| 2003 | 0 | 0 | 0 | — |
| 2002 | 0 | 0 | 0 | — |
| 2001 | 0 | 0 | 0 | — |
| 2000 | 0 | 0 | 0 | — |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Low tax bills, but a high tax rate
The median bill is $2,626, under the New York median of $6,582, because homes cost less. As a share of value it’s 2.14% a year, against 1.55% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Champlain
Only figures published free for the whole country, each labeled with the area it covers: New York, or New York. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Electricity cents per kWh, homes | 29.9¢ | U.S. 18.3¢ | state | EIA, July 2026 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Champlain and its neighbors
One source per column.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Champlain | B− | — | $123K | 2.14% | $1,260 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Champlain
Is Champlain expensive to live in?
Measured against what households in the area earn, Champlain costs more than 52% of U.S. towns: a B− for cost of living. The typical home costs 1.7 years of the median household income of the Plattsburgh, NY micro area ($71K).
How much is rent in Champlain?
HUD puts a two-bedroom at about $1,260 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $1,071 (Census 2020–24).
What are property taxes in Champlain?
The median bill is $2,626 a year, 2.14% of the median home value (New York: $6,582, 1.55%), from the Census 2020–24.
Neighbors talk housing
What Champlain buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.