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Kingston, NY mortgage & affordability calculator

The typical home in Kingston, NY is worth about $340,000. With 20% down that's a loan near $272,000 — the calculator is pre-filled with that figure. Kingston and the surrounding Hudson Valley saw one of the sharpest pandemic-era price run-ups in the state as New York City residents relocated north, and prices have cooled somewhat since 2022 without giving back all those gains. Ulster County's property tax rate sits well above the national average, consistent with the rest of upstate New York.

$1,766.00 / month

Total interest
$363,755
Total paid
$635,755
Payoff
30.0 years
Balance over YearBalance ends near $0 at 30.$0$68k$136k$204k$272k0612182430Year

How much you need to earn

Kingston, NY's median household income is about $68,000 a year. Under standard 28/36 lending rules that supports a home price around $198,404 with 20% down — below the $340,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.

$198,419 max home price

Max loan amount
$130,419
Housing payment budget
$1,587
P&I budget
$847
Bound by
front-end ratio

Uses the 28% front-end / 36% back-end DTI guidelines. Lenders vary.

Typical asking rent in Kingston, NY is about $1,900 a month, so owning the median home costs roughly $606 more per month before tax effects, maintenance, and any change in home value.

Frequently asked questions

What is a typical mortgage payment in Kingston, NY?
On the metro's roughly $340,000 typical home with 20% down, the loan is about $272,000. Principal and interest run near $1,766 a month at today's rate, and Kingston, NY's property tax plus insurance add about $740, for a full payment near $2,506.
Can I afford a home in Kingston, NY on the median income?
The median household income is about $68,000 a year. Under standard 28/36 lending rules that supports a home price around $198,404 with 20% down — below the $340,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Kingston, NY?
Typical asking rent is about $1,900 a month. The full owner payment on a median home is near $2,506, so owning costs roughly $606 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Kingston, NY?
The effective property tax rate in the core county is about 2.20% of market value — roughly $7,480 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Kingston, NY rising or falling?
Home values are down about 2% over the past year. Kingston and the surrounding Hudson Valley saw one of the sharpest pandemic-era price run-ups in the state as New York City residents relocated north, and prices have cooled somewhat since 2022 without giving back all those gains. Ulster County's property tax rate sits well above the national average, consistent with the rest of upstate New York.

Nearby metros

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