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Kingston

Compare Current Kingston, New York Mortgage Rates

Compare Kingston, 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 Kingston.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Kingston. Plus, shopping lenders is free and there is no obligation.

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Kingston, NY Mortgage Rates as of October 13, 2024
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Input your information to receive personalized mortgage quotes from preferred lenders. Comparing proposals from multiple lenders is the best way to save money on your mortgage.

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Kingston, NY Mortgage Rates

October 13, 2024

Current mortgage rates in Kingston, NY are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Today's
Kingston, NY Rates
National
Average
Comparison
30 Year Fixed Rate
%
6.669%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%

How Affordable is Housing in Kingston, New York?

Below we provide helpful information on the real estate market, home prices and housing affordability in Kingston. Understand how much you need to earn to afford a home in Kingston, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Kingston 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 Kingston is right for you.

The median home value for Kingston, NY (Ulster County) is $350,993

Based on current mortgage rates and a 10% down payment, you need to make $73,223 per year to buy the median priced home in Kingston

With this income, you could qualify for a $315,894 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 Kingston is $1,696

The median household income for Kingston, NY (Ulster County) is $80,090

Based on this income, you can afford a home valued at approximately $383,913

The home price you can afford to buy based on household income in Kingston is 109% of the median home value which means housing prices are average. Kingston (Ulster County) ranks 52 out of 62 counties in New York and 2,688 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Kingston, NY is average

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Loan Limits for Kingston, New York

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Kingston (Ulster County) below.

Conforming loan limits for Kingston, NY

1 unit: $726,200
2 units: $929,850
3 units: $1,123,900
4 units: $1,396,800

FHA loan limits for Kingston, NY

1 unit: $472,030
2 units: $604,400
3 units: $730,525
4 units: $907,900

VA loan limits for Kingston, NY

1 unit: $726,200

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