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Staten Island

Compare Current Staten Island, New York Mortgage Rates

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.

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Staten Island, NY Mortgage Rates as of January 19, 2022
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.
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How Do Today's Staten Island, NY Mortgage Rates Compare?

January 19, 2022

Current mortgage rates in Staten Island, 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
Staten Island, NY Rates
National
Average
Comparison
30 Year Fixed Rate
%
3.450%
15 Year Fixed Rate
%
2.620%
5/1 Adjustable Rate Mortgage
%
2.570%

How Affordable is Housing in Staten Island, New York?

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 $679,167

Based on current mortgage rates and a 10% down payment, you need to make $111,279 per year to buy the median priced home in Staten Island

With this income, you could qualify for a $611,250 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 $2,577

The median household income for Staten Island, NY (Richmond County) is $97,085

Based on this income, you can afford a home valued at approximately $592,538

The home price you can afford to buy based on household income in Staten Island is 87% of the median home value which means housing prices are expensive. Staten Island (Richmond County) ranks 58 out of 62 counties in New York and 3,085 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 expensive

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Loan Limits for Staten Island, New York

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

1 unit: $970,800
2 units: $1,243,050
3 units: $1,502,475
4 units: $1,867,275

FHA loan limits for Staten Island, NY

1 unit: $970,800
2 units: $1,243,050
3 units: $1,502,475
4 units: $1,867,275

VA loan limits for Staten Island, NY

1 unit: $970,800

Additional Mortgage Resources for Staten Island, NY Residents

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