Mortgage Rates in Ticonderoga, New York — March 2026
Updated March 2026 | Based on Ticonderoga market data and regional lending conditions
Ticonderoga is a smaller New York community of 25,142 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.82% (0.17% above the national average). The median home price of $415,000 translates to roughly $2,875/month with 20% down — requiring an income of about $123,214, which exceeds the local median of $76,500.
Current Mortgage Rates in Ticonderoga, NY
Below are the current average mortgage rates available in the Ticonderoga area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Ticonderoga Housing Market Overview
Housing in Ticonderoga sits near the national average at $415,000. With a median household income of $76,500 and a cost of living index of 122.3, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Ticonderoga
Based on the median home price of $415,000 with 20% down ($83,000), here is what you can expect to pay monthly in Ticonderoga:
15-Year vs. 30-Year Mortgage in Ticonderoga
Choosing a 15-year mortgage in Ticonderoga at 6.05% instead of a 30-year at 6.82% would save you $274,860 in total interest over the life of the loan. However, your monthly payment would be $2,811 instead of $2,169 — an increase of $642 per month.
Calculate Your Ticonderoga Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Ticonderoga
What are the current mortgage rates in Ticonderoga, NY?
As of March 2026, the average 30-year fixed mortgage rate in Ticonderoga, New York is 6.82%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Ticonderoga?
Based on the median home price of $415,000 with 20% down, the estimated monthly mortgage payment in Ticonderoga is $2,169 for principal and interest. Including property taxes of $706/month, the total monthly housing cost is approximately $2,875.
What income do I need to buy a home in Ticonderoga?
Using the 28% rule, you would need an annual income of approximately $123,214 to afford the median-priced home in Ticonderoga at $415,000. The median household income in Ticonderoga is $76,500. This means most households would need to either earn above the median or consider homes below $415,000.
Is Ticonderoga a good place to buy a home in 2026?
Ticonderoga has a higher cost of living than average with a cost of living index of 122.3 (national average = 100). The property tax rate in New York is 2.04%, which is above the national average. Ticonderoga has a population of 25,142 and offers a balanced lifestyle.
Mortgage Rates in Other New York Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Ticonderoga, New York area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.