CCertihomes
10 Montgomery Street, Hamilton, NY 13346

$389,000

4 beds 2 baths 1,615 sqft Built 189030 days on marketActive

About this home

Charming 4 bedroom, 2 bath home in the heart of the Hamilton Village-just steps from Colgate University. Updated top to bottom within the last 3 years by trusted local contractors, this cozy gem is truly move in ready. Features include a sunny deck, Tesla charger, and all the modern comforts you need in a perfectly walkable location.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$4,336/mo

Real estate (PITI + HOA + PMI)
$3,791
Principal + interest$2,496
Property tax + insurance$1,149
PMI / 2nd mortgage$146
Utilities
$1,194
Heating + cooling$445
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$4,336/mo TLC
Budget$5,000/mo
Remaining after TLC$664/mo
Purchase price
$389,000
Down payment
$19,450 (5%)
Loan amount
$369,550
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1890
Lot size
0.21 ac
Stories
2
Heating
Electric, Baseboard
Cooling
Water
Connected, Public
HOA
Annual tax
$8,823
MLS #
S1616589
County
Madison

At a glance

Basement
Garage (2)

Home features

Appliances
DryerDishwasherElectricCooktopElectricWaterHeaterRefrigeratorWasher
Interior
EntranceFoyerEatInKitchenSeparateFormalLivingRoomKitchenIslandQuartzCountersWindowTreatments
Exterior
BlacktopDrivewayDeck
Parking
DetachedElectricityGarageWorkshopInGarage
Flooring
Carpet, Hardwood, Laminate, Varies
Roof
Asphalt
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13346

MetricThis ZIPCountyUSA
Population5,64719,351,094299,088,112
Population Change Since1990-7.00%8.00%20.00%
Population Density158395
Male2,6529,381,926147,432,321
Female2,9959,969,168151,655,844
Never Married2,7974,946,39163,775,926
Married1,4537,166,701123,120,365
Separated3111,159,67312,639,686
Widowed2601,110,24515,467,586
Divorced2911,210,44823,075,029
Number Of House Hold1,3217,102,016111,826,380
Average House Hold Size2.522.642.60
Medial Age22.3536.5335.46
Median House Hold Income$41,200$49,847$48,276
Average House Hold Income$57,800$70,032$63,629
P C I$16,324$26,569$24,529
M D I$35,877$42,210$41,133
A T H E$48,231$54,185$50,898
S T R8.00%4.00%
W C J85.59%81.55%77.74%
(Zip) Code
13346

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

Open in Google Maps →

Listing information last refreshed 6/19/2025. Provided courtesy of Susie Gustafson R.E., LLC via Buffalo MLS. Information deemed reliable but not guaranteed.