Compare Newburgh, NY mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Newburgh.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Newburgh. Plus, shopping lenders is free and there is no obligation.
August 28, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Newburgh. Understand how much you need to earn to afford a home in Newburgh, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Newburgh fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Newburgh is right for you.
The median home value for Newburgh, NY (Orange County) is $368,338
Based on current mortgage rates and a 10% down payment, you need to make $76,841 per year to buy the median priced home in Newburgh
With this income, you could qualify for a $331,504 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Newburgh is $1,780
The median household income for Newburgh, NY (Orange County) is $91,725
Based on this income, you can afford a home valued at approximately $439,683
The home price you can afford to buy based on household income in Newburgh is 119% of the median home value which means housing prices are average. Newburgh (Orange County) ranks 48 out of 62 counties in New York and 2,521 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Newburgh, NY is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Newburgh (Orange County) below.
Conforming loan limits for Newburgh, NY
FHA loan limits for Newburgh, NY