U.S. Inspection Station-Trout River, New York · Photo: Wbaron · CC BY-SA 3.0Measured against area pay, Constable costs less to live in than 85% of U.S. towns
Builders were permitted 14 new homes in 2025.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of Franklin County, NY ($65K). How TownRatings grades cost of living
Only 0 sales in September 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 Franklin County earn ($65K, Census 2020–24). The typical home costs 1.8 years of area income, and 41% of renters pay 30% or more of income for housing.
In dollars
- $1,040a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
In paychecks the grade
- 1.8 yrsof area income buys the typical home; the typical U.S. town: 3.3$65K, Franklin County income
- 14%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 21%of owners do; the typical U.S. town: 20%Census 2020–24
What stands out about housing in Constable
What’s behind Constable’s grade
Measured against what households in the area earn, Constable is more affordable than 85% of U.S. towns. Property tax pulls the grade down most; home prices hold it up.
A typical home costs 1.8 years of area income
The calculator starts from the area income the grade uses. Switch to Constable’s own median, or type yours.
That covers a typical Constable home, with $105K to spare.
A two-bedroom rents for about $1,040 a month here, $230 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Constable’s typical property tax (1.83% 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 $1,040
Renters already here pay a median of $759, 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 (Franklin County, NY): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
14 new homes permitted in 2025
Builders were permitted 14 new homes in Constable in 2025: 12 single-family houses and 2 in buildings with two or more homes, worth about $4 million to build. That's 9.3 per 1,000 residents, faster than across New York (1.8). Over the past 10 years, Constable has permitted 55 homes in all.
Between the 2010 and 2020 censuses, Constable's population fell by 80 even though 50 new homes were permitted. Homes are holding fewer people: households are getting smaller, or more homes are used part of the year. 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) | 5 | 5 | 0 | $1.6 million |
| 2025 | 14 | 12 | 2 | $4 million |
| 2024 | 4 | 1 | 3 | $689,000 |
| 2023 | 7 | 7 | 0 | $2.1 million |
| 2022 | 8 | 8 | 0 | $2.2 million |
| 2021 | 4 | 4 | 0 | $1 million |
| 2020 | 4 | 4 | 0 | $993,000 |
| 2019 | 6 | 6 | 0 | $1.7 million |
| 2018 | 2 | 2 | 0 | $500,000 |
| 2017 | 2 | 2 | 0 | $496,000 |
| 2016 | 4 | 4 | 0 | $984,000 |
| 2015 | 4 | 4 | 0 | $907,000 |
| 2014 | 3 | 3 | 0 | $300,000 |
| 2013 | 2 | 2 | 0 | $300,000 |
| 2012 | 7 | 7 | 0 | $1.3 million |
| 2011 | 8 | 8 | 0 | $837,000 |
| 2010 | 12 | 12 | 0 | $1.3 million |
| 2009 | 11 | 11 | 0 | $1.2 million |
| 2008 | 15 | 15 | 0 | $1.6 million |
| 2007 | 3 | 3 | 0 | $275,000 |
| 2006 | 8 | 8 | 0 | $1 million |
| 2005 | 7 | 7 | 0 | $1.9 million |
| 2004 | 10 | 10 | 0 | $989,000 |
| 2003 | 9 | 9 | 0 | $895,000 |
| 2002 | 10 | 10 | 0 | $1.6 million |
| 2001 | 10 | 10 | 0 | $695,000 |
| 2000 | 7 | 7 | 0 | $472,000 |
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 $2,177, under the New York median of $6,582, because homes cost less. As a share of value it’s 1.83% 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 Constable
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.
Constable vs. its neighbors
Zillow publishes no value for Constable. Malone and Burke and Westville have no Zillow value, so they are in the table only.
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 |
|---|---|---|---|---|---|
| Constable | A | — | $119K | 1.83% | $1,040 |
| Burke | A− | — | $123K | 1.79% | $1,080 |
| Malone | B+ | — | $135K | 2.11% | $1,070 |
| Westville | A− | — | $112K | 1.44% | $1,030 |
“—” 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 Constable
Is Constable expensive to live in?
Measured against what households in the area earn, Constable costs less than 85% of U.S. towns: an A for cost of living. The typical home costs 1.8 years of the median household income of Franklin County, NY ($65K).
How much is rent in Constable?
HUD puts a two-bedroom at about $1,040 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $759 (Census 2020–24).
What are property taxes in Constable?
The median bill is $2,177 a year, 1.83% of the median home value (New York: $6,582, 1.55%), from the Census 2020–24.
Neighbors talk housing
What Constable buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, September 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.