Compare Staten Island, 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 Staten Island.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Staten Island. 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 Staten Island. Understand how much you need to earn to afford a home in Staten Island, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Staten Island 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 Staten Island is right for you.
The median home value for Staten Island, NY (Richmond County) is $655,757
Based on current mortgage rates and a 10% down payment, you need to make $136,801 per year to buy the median priced home in Staten Island
With this income, you could qualify for a $590,181 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 Staten Island is $3,168
The median household income for Staten Island, NY (Richmond County) is $87,310
Based on this income, you can afford a home valued at approximately $418,522
The home price you can afford to buy based on household income in Staten Island is 64% of the median home value which means housing prices are very expensive. Staten Island (Richmond County) ranks 58 out of 62 counties in New York and 3,092 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Staten Island, NY is very expensive
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Staten Island (Richmond County) below.
Conforming loan limits for Staten Island, NY
FHA loan limits for Staten Island, NY